Online and Mobile Banking
Online Banking
Online Banking is a FREE account manager for Gesa members. Itās easy to sign up online with auto-activation. With Online Banking, you can skip the line and do your banking at home or on the go!
- Perform real-time transactions
- View account history, including loan, certificate, and checking
- View eStatements
- Schedule recurring or one-time transfers between accounts
- Sort your accounts by name, balance, or account type
- Send secure, encrypted messages to Gesa support staff
- Set up email reminders for low balance, deposits, and more
Connect to your money 24/7. Sign up for Online Banking today!
Online Banking Disclosures
To view PDFs, you may need to download a free Adobe Acrobat Reader.
Mobile Banking
For all your banking needs on the go!
- View account balances and transactions
- Transfer money between your accounts or to someone else
- Deposit checks
- Pay your bills
- Apply for loans and credit cards
- Open a new account
Need to check your balances quickly? Set up Fast Balances to get account snapshots without even logging in.
Reorder Checks Online
Reorder Checks Online
Reordering checks is easy ā All you need is the reorder slip that came with your last box of checks. This slip shows your next start number and your unique reorder identification number.
Secure Reorder Site
With your reorder slip in hand,Ā click here. For personalized support with the site, please contact our Member Contact Center atĀ (509) 378-3100Ā orĀ (888) 946-4372Ā during regular business hours.
Phone Order Instructions
If you prefer to reorder your checks over the phone, call the toll-free number:Ā (877) 585-8777.
This is a touch-tone system. The same information that you use to order online is needed for phone orders.
Routing and Transit number is:Ā 325181248
Overdraft Protection
Overdraft Protection
There are times in life when you need a little extra help. Anyone who has had a check returned or debit card declined knows how quickly a small mistake can turn into big consequences. Returned item fees charged by merchants and creditors add up quickly. At Gesa, we have options to help you.
In those unexpected situations when you are short on funds, Courtesy Pay may save you from merchant NSF fees, interruption of services, and the embarrassment and inconvenience associated with returned or declined items. You can choose one type of account coverage, or all three. Whatever works for you, works for us.
For more information about your overdraft options callĀ (888) 946-4372.
Option 1: Courtesy Pay
Courtesy Pay is offered as a safety net for eligible members. This coverage will provide at least $100 of coverage should you accidentally overdraw your checking.
- It costs you nothing if you never use it
- Courtesy Pay limit may vary based on your checking account history, overdraft transactions, and payments
- Itās easy to enroll via a Gesa branch or by phone: (888) 946-4372.
- No cost to sign up
- 20 days to repay
- $29 per use
Option 2: Automatic Savings Transfer
Before Courtesy Pay or an Overdraft Line of Credit is accessed, your savings account balance will be used to cover your overdraft.
- Transfers are automatic when you overdraw your checking
- Worry-free coverage up to the amount available in your savings
- No enrollment or applications necessary
- $3.50 transfer fee
- 6 transfers or withdrawals can be made per month
Option 3: Personal Line of Credit
A great option for members who want to use a pre-approved Personal Line of Credit as an overdraft source.
- Competitive rates, higher credit line
- Easy access to funds
- Fast application processāby phone, online, or at aĀ Gesa branch
- Rates as low as 9.00% APR*
- $3.50 transfer fee
- $35 annual fee
*APRĀ = Annual Percentage Rate. Rates, terms, and fees are subject to change. We pay overdrafts at our discretion, which means we do not guarantee that we will always authorize and pay any type of transaction. If we do not authorize and pay an overdraft, your transaction will be declined. We do authorize and pay overdrafts for checks and other transactions made using your checking account number and automatic bill payments. Beginning August 15, 2010, we will not authorize and pay overdrafts for ATM transactions and everyday debit card transactions unless you ask us to. Contact Gesa for complete program details, fees and disclosures.
Personal Lines of CreditĀ are loans and are dependent on approval of credit. Rates, terms and fees subject to change. Contact Gesa for full program details.
Courtesy Pay:Ā Funds from your corresponding savings account will be transferred first to cover your overdraft, for a $3.50 fee. If there is not enough in your savings account to cover the overdraft, your account will be charged the standard NSF fee of $29 for handling each item even if paid by the discretionary Courtesy Pay privilege. There is a limit of five fees per day we can charge you for overdrawing your account. This privilege for consumer checking accounts will generally provide at least $100 of overdraft balance coverage. The Courtesy Pay limit may vary based on your checking account history, overdraft transactions, payments and your use of the service. Any and all fees and charges, including the non-sufficient funds fees for paid items using Courtesy Pay as well as returned items (as set forth in Gesaās fee schedules and disclosures), will be included as part of the Courtesy Pay limit. Whether your overdrafts will be paid is discretionary and we reserve the right not to pay. For example, we typically do not pay overdrafts if you have met your Courtesy Pay limit; are not in good standing with Gesa; have not maintained the required $5 Primary Savings account deposit; have a Gesa loan that is past due; your Courtesy Pay privileges have been revoked on another Gesa account; or if the amount needed to cover your payment exceeds your Courtesy Pay limit. The total of the discretionary Courtesy Pay (negative) balance, including all fees and charges, is due and payable upon demand, and Depositor and each Authorized Signatory will continue to be liable, jointly and severally, for all such amounts, as described in the Member Account Agreement. Any paid overdrafts are considered an advance on your next deposit.Ā Accounts must be brought positive within 20 days or the Courtesy Pay limit may be reduced to $0. Accounts must be brought positive within 30 days or the service may be suspended or terminated.
Overdraft Fee Transaction Categories āĀ The categories of transactions for which an overdraft fee may be imposed are check, other transactions made using your checking account number, in-person withdrawals, or automatic bill payments. If you have authorized us to pay overdrafts on ATM withdrawals and everyday debit card transactions, an overdraft fee may also be imposed.
Online person-to-person transfers
Zelle©
ZelleĀ© is a fast and convenient way to send money using Gesaās Mobile App or your computer. A mobile phone number or an email address makes it easy to split a dinner check with a friend, send money to a student abroad, pay the daycare provider, and more!
Send Money Instantly with Zelle©
Send money to family, friends, and small businesses instantly and securely. Use a mobile phone number or email address to pay almost anyone, anywhere*, anytime. Itās as easy and fast as sending an email or text.Ā *within the United States
How it Works
When you enroll with ZelleĀ® through your Gesa Credit Union app, your name, the name of your bank/credit union, and the email address or U.S. mobile number you enrolled is shared with ZelleĀ® (no sensitive account details are shared ā those stay with Gesa Credit Union). When someone sends money to your enrolled email address or U.S. mobile phone number, ZelleĀ® looks up the email address or mobile number in its ādirectoryā and notifies Gesa Credit Union of the incoming payment. Gesa Credit Union then directs the payment into your Gesa Credit Union account, all while keeping your sensitive account details private.
This service is easy, fast, secure, and free. You can access Zelle through the Gesa Digital Banking App. If you donāt have our app, download it today!
To learn more about Zelle click here. (link toĀ www.gesa.com/zelle)
U.S. checking, savings or money market account required to use Zelle Ā®. Transactions between enrolled users typically occur in minutes. Fees associated with text messaging may be assessed by your mobile carrier and data rates may apply.
Payment requests to persons not already enrolled in Zelle Ā® must be sent to an email address.
Mobile wallets and Card Manager
Mobile Check Deposit
Itās as easy as Point. Tap. Deposit. Enjoy the convenience of depositing a check right from your mobile phone with Gesaās mobile app. Itās fast, secure and FREE!
- Download the Gesa mobile app
- Click āCheck Depositā
- Take pictures of your check and deposit!
Gesaās mobile app is available for the iPhoneĀ® and iPadĀ® and can be downloaded from the iTunesĀ® App Store. GesaĀ mobileĀ for AndroidĀ® is also available to download from Google PlayĀ®.
Card Manager
Stay in control of all your Gesa VisaĀ® credit and debit cards with Gesaās Card Controls app! The remote card controls and alerts technology enables you to manage your cards on the go, controlling when they can be used with the new card on/off feature, as well as view and act on various transaction alerts!
What Can You Do With Card Controls?
You can turn your card on/off and receive notification alerts for:
- Transaction amounts above specified limit (min. $1)
- International/Foreign Transactions
- Card Declines
- ATM Withdrawals
- And more!
Card Controls for iPhoneĀ® is now available for download from the iTunesĀ® App Store. Card Controls for AndroidĀ® is now available for download from Google PlayĀ®.
Stay in control of all your Gesa VisaĀ® credit and debit cards with Card Manager! The card controls and alerts technology enables you to manage your cards on the go, controlling when they can be used with the card Lock/Unlock feature, in addition to transaction alerts!
What can you do with Card Manager?
You can lock and unlock your card and receive notification alerts for:
- Transaction amounts above specified limit (min. $0.01)
- International/Foreign transactions
- Card declines
- ATM withdrawals
- And more!
Card Manager is available in online banking.
Mobile Wallets
Mobile wallets allow you to securely carry your Gesa Credit Union debit and/or credit card information in a digital form on your mobile device. Instead of using your plastic card, you simply pay for your purchases with your smartphone or other mobile device.
Gesa Credit Union has partnered with Google Payā¢, Apple Payā¢, and Samsung Pay⢠ā the latest in mobile payment technology ā to offer you these free, secure, and convenient mobile payment options to our members with VisaĀ® debit and/or credit cards.
Fast āĀ No more digging for your wallet! To make it even easier to use your card, set it as the default, or first choice, in your mobile wallet.
Secure āĀ Mobile wallets are even more secure than using your plastic card because your credit and debit card information is not stored on your mobile device and the merchant does not receive the card information, only a unique secure token code for each transaction.
Many devices support fingerprint technology to authorize mobile wallets transactions, making the process even more secure.
Getting Started Is Easy
- Learn how to set upĀ Apple Wallet,Ā Google Pay, orĀ Samsung Pay.
- You may need to download the mobile wallets app, but generally, it is already included in your deviceās settings.
- Not allĀ devices are compatible with mobile wallets, but you can check device compatibility by visitingĀ www.samsung.com,Ā
pay.google.comĀ andĀ
www.apple.com. - Follow your mobile deviceās steps to add your Gesa debit and/or credit cards. To designate your Gesa card as your default card, ensure it is the first card on the list of cards you see in the mobile wallets app.
- Once confirmed with mobile wallets, you can make in-store purchases at thousands of merchants nationwide.
Direct Deposit
Direct Deposit
The safe way to deposit payroll, social security, or pension funds is through direct deposit. Thousands of Gesa members have payroll and government checks automatically deposited into their savings or checking accounts each month. Direct Deposit is safe, quick, and easy.
For more information about setting up a direct deposit, please contact a Gesa branch by calling (888) 946-4372.
You can access the Direct Deposit Form (PDF) to print and give to your payroll department.
To view PDFs, you may need to download a free Adobe Acrobat Reader.
Early Direct Deposit
Early Direct Deposit
You can access the funds from your direct deposits faster. Direct deposits (ACH transactions) come with a filing date and a settlement date. The filing date is when we get the transaction data; the settlement date is when we receive the funds. With early direct deposit, weāll make those funds available in your account on the filing dateāless waiting!
Your direct deposits:
- Post up to 2 days earlier than before.
- Offered only for consumer checking accounts (non-business).
- Only credits under $10,000 can post early.
- This feature does not affect debit transactions.
- You can opt out of early direct deposits.
Payroll Deduction
Payroll Deduction
Have you heard the old adage āPay yourself firstā? Payroll deduction allows you to save automatically. You can specify a dollar amount to be deposited into your savings account each payday. Your savings will grow without lifting a finger!
To sign up for payroll deduction, just contact the payroll department at your place of employment. You may access the Direct Deposit Form (PDF) to print and give to your payroll department.
To view PDFs, you may need to download a free Adobe Acrobat Reader.
Debit Card Round Up
Debit Card Round Up
Debit Card Round Up helps grow your savings effortlessly.
For each eligible purchase you make with an enrolled debit card, Gesa will round up the transaction to the next whole dollar. Weāll transfer the rounded-up amount into your savings account the following day.
- Visit or call any branch to sign up!
- The rounded-up transaction will occur within two business days.
- The round-up function will not overdraw your account.
- You may cancel your participation in the program at any time.
Automatic Account Transfers
Automatic Account Transfers
Automatic Account Transfers make saving easy. This free service allows you to automatically transfer an amount you authorize each month from your checking to your savings, from savings to checking, or to any other authorized Gesa account. Automatic Account Transfers are different from Direct Deposit/Payroll Deduction in that they are not tied to a payroll check.
Ask a Personal Financial Services Representative or callĀ (888) 946-4372Ā to set up Automatic Account Transfers today!
eStatements and Email Alerts
Email Alerts
Receive alerts by email to stay on top of your account activity or to detect fraud within seconds. You can receive alerts by email at your preferred email address.
Signing up is quick and easy. If youāre an Online Banking user, click on the āAlertsā tab on your mobile or desktop device. You can subscribe to any of the alerts available. Using the edit options, you can select one or more destinations for your alerts. You can choose where you want alert notifications to go on an alert-by-alert basis.
eStatements
eStatements
View your statements through Online Banking with a click of a mouse and say goodbye to pesky paper pile-ups.
- Available anywhere you have Internet access
- Faster than mailed statements
- Provide added security against ID theft
- Archived for up to 18Ā months
- Help save trees and free up space in your filing cabinet
- eStatements are free!
- End the hassle of keeping files and juggling papers
Visa Checkout
Visa Checkout
Online buying is evolving so you can pay with fewer clicks. Paying online with yourĀ Gesa VisaĀ® debit or creditĀ card is:
Easy
The arrow icon means you no longer have to enter 16-digit primary account numbers, look up passwords, or ļ¬ll out long forms to make a purchase online where VisaĀ® credit or debit cards are accepted.
Smart
Wherever you see the arrow iconĀ and VisaĀ® debit or credit cards are accepted, youāll enjoy the same time-saving digital checkout.
Secure
When you click to pay with VisaĀ®, you can be assured that VisaĀ®āsĀ global payment network is always looking out for you ā ļ¬ghting fraud, reducing risk, and helping to make transactions fast and worry-free. Visa® uses multiple layers of payment security, and its anti-fraud detection system monitors every payment in real time, analyzing more than 500 unique risk attributes. We will continue working closely with Visa® to safeguard your sensitive payment information and prevent unauthorized use of your card. Protecting you is our top priority.
Click to pay with your Gesa VisaĀ® debit or credit card when you see the iconĀ where VisaĀ® debit or credit cards are accepted.
Telephone Banking
Gesa Telephone Banking
Try Gesa Telephone Banking! Itās fast, convenient, and a handy companion to our Online Banking platform. CallĀ 509.378.3100Ā orĀ 888.946.4372Ā to access your account 24 hours a day, when itās convenient for you. The menu options are customized specific to each member, so you will only hear options applicable to your account.
With Gesaās Telephone Banking you can:
- Get balances on your savings, checking, and certificate accounts. (Your Telephone Banking balance does not include amounts available through Courtesy Pay)
- Verify dates and amounts of direct deposits and/or payroll deductions
- Find out which checks have cleared, for what amount, and the date of the transaction
- Transfer funds between your accounts or others you have access to
- Hear your current loan balance and your next payment due date
ATMs
ATMs
Gesa offers free, convenient ATM access 24 hours, 7 days a week to our members. Our ATM allows you to:
- Withdraw cash
- Transfer funds
- View your balance
- Change your debit PIN
- Set your personal preferences to speed up ATM visits
- Deposit checks and cash without having to use an envelope or deposit slip
Gesa has 77,000 no-fee ATMs in our network. View GesaāsĀ ATM FinderĀ to discover all of the convenient locations. With aĀ SmartPlus CheckingĀ account you may receive domestic ATM fee refunds up to $4.99 per withdrawal when all account requirements are met for the qualifying period.
Credit Sense
Credit Sense
Now you can keep track of your credit score and learn tips to improve itāwithout fear of getting dinged!
Take control of your credit with Credit SenseĀ®
- Available in online banking and on the Gesa app.
- It pulls your credit profile from TransUnion, one of the three major credit reporting bureaus.
- The Score Simulator tool lets you see how various actions can affect your score.
- Itās free, and no credit card information is required to register.
- Your credit score is updated every seven days, and you can refresh it every 24 hours.
Enrolling in Credit SenseĀ® is easy:
- Log into the Gesa app or online banking.
- Select Accounts.
- Then select Credit Sense.
- Read and agree to the terms and conditions, check the acknowledgment statement, and select Continue.