Skip Menu

Welcome former Security State Bank Members. You can still access all your usual services at ssbwa.com, as well as the same online banking, branch locations, ATMs, and familiar staff to assist you. We’ll keep you informed at every step as we transition sites and systems through the end of the year.

Welcome former Security State Bank Members. Your usual services are accessible at ssbwa.com. We’ll keep you informed as we transition systems.

Our online banking services are temporarily unavailable. We apologize for any inconvenience this may cause and appreciate your patience as we work diligently to resolve the issue. Good news: our ITMs, ATMs, and branches are still available and ready to assist you.

Impacted by the government shutdown? Financial relief options are available for Gesa members.

Routing Number: 325181248

Resources —

Personal Online Banking

Get started with Personal Online Banking

Personal Online Banking with Gesa Credit Union offers a secure, convenient access to manage accounts, make payments, and track financial activity anytime, anywhere.

Get the app

Remote Deposit Capture Module

The Remote Deposit Capture (RDC) feature, also known as “Deposit” on the Gesa Mobile banking platform, enables members to electronically deposit checks via their mobile devices. Eligible deposits include personal, business, and cashier’s checks only. Daily, weekly, and monthly deposit limits are enforced, with holds applied when necessary.

Access Remote Deposit Capture

Log in to the Gesa Mobile App.
From the homepage, scroll to the bottom.
Tap Deposit to open the RDC dashboard.

Deposit Guidelines

Check must be drawn on a U.S. financial institution and include a MICR line.
Payee must be the account holder, joint owner, or listed DBA.
Check must be properly endorsed.
All four corners of the check must be visible in the image.
Ensure adequate lighting and legibility.
Retain deposited checks for 60 days before securely destroying.
Stay within daily, weekly, and monthly deposit limits.

Deposit a Check

Select Choose an Account to designate a deposit account.
Enter the Check Amount (must match the check).
Tap the Camera Icon to continue.

Capture Check Images

Front of the Check

Place check on a dark, flat surface with good lighting.
Center the check in the frame; ensure all corners are visible.
Tap Capture to take a photo.
Choose Use to confirm or Retake to try again.

Back of the Check

Endorse with signature and “For Mobile Deposit Only.”
Tap the camera icon and capture the back image.
Choose Use to confirm or Retake to retry.

Review & Submit

Verify check images are clear and complete.
Confirm entered amount matches the check.
Ensure correct deposit account is selected.
Click Deposit to submit or Cancel to stop.

Confirmation & Record Keeping

A confirmation message with a reference number will appear: “Your check has been deposited.”
Store the check securely for 7 days.
Verify deposit after 7 days, then destroy the check.
If deposit fails, an error message will appear: “Your deposit was rejected. Please check transaction history.”

View Deposit History

Select View Deposit History from the dashboard.
Review all past deposits, including date and status.

Pay Mortgage

The Pay Mortgage Module in Gesa Credit Union’s Online Banking (OLB) system is created to simplify the process of managing mortgage payments for members. Available on both desktop and mobile platforms within the “Transfer & Pay” section, this feature provides a secure, centralized, and intuitive way to handle payments. Members can easily make mortgage payments using either ACH or a card through this module.

New Account Opening

This platform facilitates account opening for existing members, allowing them to seamlessly add new accounts and joint owners. Once authenticated through online banking, the system automatically populates their personally identifiable information (PII), streamlining the process and minimizing manual data entry. This ensures a secure, efficient, and user-friendly experience for members.

Fast Cash Module

The Fast Cash module is a streamlined feature within Gesa’s Mobile and Online Banking platform that allows members to quickly apply for short-term loans directly through the digital interface. It is designed for ease of use, speed, and accessibility, especially for members who need immediate financial support.

Access Fast Cash

Log in to Gesa Online or Mobile Banking.
Select Apply & Open from the navigation menu.
Choose Fast Cash from the dropdown.

Fast Cash Dashboard

Select the account where loan funds will be deposited.
Indicate if you are a veteran (Yes/No).
Check the box to consent to electronic delivery of loan disclosures and notices.
Click Apply to proceed.

Eligibility Check

The system automatically evaluates account status, transaction history, and other factors.
If eligible, a congratulatory message displays with the maximum approved loan amount.
Choose your desired approved amount.
Click Continue to proceed.

Loan Details

View the highest available loan amount and repayment terms.
Enter your preferred loan amount (within the approved range).
Select a repayment date from the available options.
Click Continue to move forward.

Loan Disclosures

Review the loan summary and disclosure information.
Click View TILA to access the Truth-in-Lending Act disclosures and Loan Agreement.
Download disclosures for your records if desired.
Check the box to confirm you’ve read and understood the disclosures.
Click Continue to proceed.

Confirmation

The system displays a confirmation message.
A link to the TILA disclosure is also provided for reference.

Ineligible Status

If you do not qualify, the system will display an Adverse Action Notice.
A link to view the notice is provided, and a copy is sent to your registered email address.

Credit Sense Module

Credit Sense is a financial wellness solution embedded within the Gesa Mobile and Online banking platform. It offers members real-time access to their credit scores, accompanied by personalized insights and recommendations designed to help them better understand and enhance their credit standing.

Access Credit Sense

Log in to your Gesa Mobile or Online Banking account.
From the navigation menu, click on Financial Wellness.
Select Credit Sense from the dropdown options.

Enrollment

First-time users must enroll before accessing Credit Sense.
Review and accept the disclosure by checking the consent box.
Click Continue to proceed.

Operating Credit Sense

Click Show my Score to check your credit score.
Explore additional financial wellness resources.

Dashboard

Displays your Current Credit Score and Score Rating.
Shows Credit Utilization and New Alerts.
Click Show Full Report to view detailed information.

Credit Score & Report Features

Score Analysis

Review Payment History, Credit Usage, Account Mix, Credit Age, and Inquiries.

Credit Report

Access a full report of credit cards and loans, balances, history, and inquiries.
Check for potential errors or fraudulent activity.

Score Simulator

Select Score Simulator from the menu.
Enter financial scenarios (e.g., paying off a card, opening a loan).
View how actions affect your score.

Credit Score Goals

Click Set up Your Goal.
Drag the slider to choose a target score and timeframe.
Click Next to confirm and receive a tailored action plan.

Loans & Offers

Select Loans & Offers from the navigation bar.
View available loan options and offers.

Alerts

Select Alerts from the navigation bar.
View notifications related to score updates, payment history, and usage.

Resources

Click Resources in the navigation bar.
Access educational content, FAQs, and profile settings.

Profile Settings

Activate or deactivate credit monitoring and notifications.
Update email/phone notification preferences.
Access SavvyMoney Privacy Policy and Terms of Service.
Use Contact Us to report issues with your credit score.

Deactivate Credit Score Account

Go to Resources → Profile Settings.
Select Deactivate Credit Score Account.
Confirm when prompted to finalize cancellation.

Card Manager Module

Card Hub is a dedicated digital resource within Gesa Online Banking, designed for members/customers to manage their Credit Cards. It allows users to efficiently oversee their credit card activities and track financial transactions, aiding in making informed spending choices. Notable features include the ability to block and unblock cards, set travel notifications, receive alerts, report lost or stolen cards, and request card re-issuance. Members can access this tool through Gesa Online Banking via both the Mobile App and Desktop.

Access Card Manager

Log in to Online Banking or Mobile Banking.
Select “My Accounts” from the navigation menu.
Choose “Card Manager” from the dropdown.

Accept Disclosure

Review the Card Controls Terms and Conditions.
Click “Accept” to proceed to the Card Manager homepage.

Card Manager Homepage

View all debit and credit cards linked to your account.
Switch between multiple cards using the forward/backward buttons.

Controls Feature

Lock Card Option

Click the Lock icon.
Confirm “Are you sure you want to lock this card?” by selecting “Lock.”
Locked cards display a red lock icon and the date locked.

Unlock Card Option

Click the Unlock icon.
Confirm “Are you sure you want to unlock this card?” by selecting “Unlock.”

Travel Plans

Click the Travel Plan icon.
Select “Create Travel Plan.”
Choose travel dates using the calendar and click “Next.”
Select your travel destination and click “Next.”
Toggle the card(s) you’ll use while traveling and click “Next.”
Review and click “Save Travel Plan.”
To delete or cancel, return to the Travel Plan screen, select a plan, and delete.

Preferences

Click “Preferences.”
Choose alert delivery method (SMS, Email, or Both).
Click “Save” to confirm.
Update your phone number or email as needed.

Transaction Limits

Click “Click to set up.”
Toggle “Transaction Limit enabled.”
Enter the spending limit amount.
Click “Save.”
Transactions exceeding the limit will be declined.

Transaction Alerts

Click “Click to set up.”
Toggle “Transaction Alert enabled.”
Enter an alert limit amount.
Optionally toggle “Alerts for all other declined transactions.”
Click “Save.”

Alerts

Select the card to assign the alert.
Choose alert type: ATM Withdrawal, International, Card Not Present, Gas Station, Auto Pay, In-store, Purchase Return.
Activate by turning the alert on and clicking “Save.”

Card Hub Module

Card Hub is a dedicated digital resource within Gesa Online Banking, designed for members/customers to manage their Credit Cards. It allows users to efficiently oversee their credit card activities and track financial transactions, aiding in making informed spending choices. Notable features include the ability to block and unblock cards, set travel notifications, receive alerts, report lost or stolen cards, and request card re-issuance. Members can access this tool through Gesa Online Banking via both the Mobile App and Desktop.

Access Card Hub

Log in to Gesa Mobile App or Online Banking (OLB).
From the Homepage, go to Account Summary.
Select your Credit Card to open Card Hub.

Card Hub Dashboard

Your credit card loads automatically on the Card Hub home screen.
View key info: Current Balance, Available Credit, Minimum Payment, Credit Limit, Recent Transactions.
To make a payment, click Make a Payment directly from the dashboard.

Lock & Unlock (On/Off)

Cards default to On.
To turn Off:

Toggle to Off.
Confirm when prompted (all new transactions will be declined, except recurring).

To turn On again:

Toggle to On.
Confirm when prompted.

Switch Cards

If you have multiple Gesa credit cards:

Click Switch Card.
Choose from the dropdown list./li>
The selected card will display on the main screen.

Card on File

View merchants where your card is stored for recurring or one-time payments.
Use Update Card to refresh details (for merchants that support in-app updates).
For others, use Need Feedback to update directly on the merchant’s site.

Statements & Messages

Statements: View past statements, update delivery options (email/mail).
Messages: See notifications about payments, statements, or card activity

Manage Card

Includes 5 key features:

Statements: View past statements, update delivery options (email/mail).

Restrict usage by location, merchant type, transaction type, spend limits.
Set alerts for specific activity.

Travel Plans

Add travel dates & destinations (OTP verification required).
Edit or delete plans anytime.

Report Lost/Stolen

Select Lost or Stolen and follow prompts to deactivate and reissue your card.

Replace Card

Request a new card directly in Card Hub.

Set PIN

Change or set a PIN (OTP verification required).

Settings

Includes 5 key features:

Hide/Show linked cards.
Update personal information.
View card account summaries.

Bill Pay

Bill Pay is a digital banking feature that enables members to manage their financial obligations directly from their online banking profile. It supports one-time, recurring, and scheduled payments to individuals or businesses with a valid U.S. mailing address.

Enroll in Bill Pay

Navigate to Transfer & Pay in Online Banking.
Select Bill Pay from the dropdown.
Choose your primary Bill Pay account.
Click Enroll.
(You can change your primary account later if needed.)

Add a Payee

Select Add Payee.
In Manage or Edit Payees, choose Create a payee manually.
Fill in the required details and optional Tag.
Click Submit, then Finish when confirmation appears.

Make a Payment

Select the Payee from your list (or search/add if new).
Enter the Payment Amount.
Click Next.
Choose Process Payment On and select a date from the calendar.
Choose a Frequency (one-time, recurring, scheduled).
Review payment details and optionally add a Memo.
Click Pay Bill.
Confirmation message: Payment was sent.

Make Multiple Payments

Select Make Multiple Payments.
Enter the payment amount and date for each payee.
Click Next.
Review payments.
Select Pay Bill to finalize.
Confirmation message: Payments were sent.

Edit/Delete or View Past Transactions

Cancel/Edit a Payment:

Select the Payee linked to the pending payment.
In the pop-up, click Delete, then confirm.
(Only pending transactions can be modified.)

Past Transactions:

Click Activity next to the desired transaction.
To print, click the Print Icon and confirm.

Routing Number: 325181248

51 Gage Blvd. Richland, WA 99352

Business banking

Investment services

Locations and ATMs

Website Accessibility

LPL Financial Form CRS

Federally insured by NCUA

Equal Housing Opportunity

Co-op Shared
Branch

© Gesa Credit Union. All Rights Reserved.

Notes & Fees Glossary

	Disclaimer
SmartPlus Checking	[APY] Minimum opening balance of $25 required if the account is opened online. In order to earn APY and receive unlimited domestic ATM fee refunds, you must meet the following requirements during each monthly qualifying period: provide and maintain valid email address, apply for and use your Visa debit card to make 15 debit card transactions that post and settle to your account, have at least one direct deposit of $200 or more post to your account, and enroll to receive eStatements. If the requirements are not met during the monthly qualifying period, the “non-qualifying” 0.01% APY will apply to the entire balance. Dividends on a SmartPlus Checking account will be compounded and credited to a member’s account each month. Dividends are calculated using the daily balance method. Qualifying account balances must meet minimum requirements. Rate may change after the account is opened. The qualifying period begins with the first day of the calendar month and ends on the last day of the calendar month at 6:00 P.M. Pacific Time. ATM fees of $4.99 or less will be reimbursed up to a maximum of $4.99 per individual transaction. No monthly fees and no minimum balance required to open or maintain account unless opened online. Fees could reduce earnings on the account. Limit of one SmartPlus Checking account per member. APY is accurate as of , the last dividend declaration date.	A7KD4W9LQXZT
Smart Checking	*There is a minimum opening balance requirement of $25.00 if the account is opened online. Regular users of Gesa’s electronic services may want to consider SmartPlus Checking for additional benefits. [Courtesy Pay]	M3VY82CNRLKP
Student Checking	[APY] Dividends on Student Checking Accounts are calculated using the daily balance method and will be credited to the member’s account every month. Rate may change after the account is opened. If you close your account before dividends are paid, you will not receive the accrued dividends. The minimum balance to open an account is $5.00, the par value of a share. Courtesy Pay is not offered on Student Checking Accounts. Only electronic transactions such as debit card or ACH transactions are permitted. Fees could reduce earnings on the accounts.	JXZ7V5MWLQ92
Smartplus Savings	[APY] In order to earn a high dividend rate, you must meet the following requirements during the qualifying monthly period: a) provide and maintain a valid email address; and b) be enrolled to receive e-statements. If the requirements are not met during the monthly qualifying period, the “non-qualifying” 0.01% APY would apply to the entire balance. Dividends on an SmartPlus Savings Account will be compounded and credited to a member’s account each month. Dividends are calculated using the daily balance method. Qualifying account balances must meet minimum requirements. Rate may change after the account is opened. The qualifying period begins with the first day of the calendar month and ends on the last day of the calendar month at 6:00 P.M. Pacific Time. No monthly fees and no minimum balance required to maintain account. Minimum opening deposit of $5. Fees could reduce earnings. Limited to one SmartPlus Savings account per member.	P9T6QF2XJBLC
Smart Savings	[APY] Dividends on Smart Savings are calculated using the daily balance method and are paid monthly. Rate may change after the account is opened. No monthly fees and no minimum balance required to maintain account. Minimum opening deposit of $5. Fees could reduce earnings on the account.	Y4MKZ3WVTPQ8
High-Yield Savings	[APY] Dividends on the High Yield Savings account are calculated using the daily balance method and are paid monthly. No monthly fees and no minimum balance required to maintain account. Minimum opening deposit of $5. Fees could reduce earnings.	NDLXQ98R5VTE
Money Market	[APY] Dividends for the Money Market Account are calculated using the daily balance method which applies a daily periodic rate to the balance in the account each day. You must maintain a minimum daily balance of $2,500.00 in your account each day to obtain the disclosed annual percentage yield. The minimum balance required to open this account is $2,500.00. There is a minimum average daily balance of $2,500.00 required to avoid a service fee for the calendar month. If the minimum average daily balance requirement is not met, you will be charged a service fee as stated in the Consumer Fee Schedule. New rates are set on the first of each month; rate may change after the account is opened. Fees could reduce earnings on the account.	GQ37ZVKY1WLM
Fixed Certificate	[APY] A penalty may be imposed for early withdrawal. Fees may reduce earnings. The minimum balance to open the certificate is stated in the chart. Early withdrawal penalties apply (a penalty may be imposed for withdrawals before maturity): If your account has an original maturity (term) of less than 12-months: The penalty will equal 90 days interest on the amount withdrawn subject to penalty. If your account has an original maturity (term) of 12-months or more – up to, but less than 36-months: The penalty will equal 180 days interest on the amount withdrawn subject to penalty. If your account has an original maturity of 36-months or more – up to, but less than 48-months: The penalty will equal 365 days interest on the amount withdrawn subject to penalty. If your account has an original maturity of 48-months or greater: The penalty will equal 540 days interest on the amount withdrawn subject to penalty. In certain circumstances such as the death or incompetence of an owner of this account, the law permits, or in some cases requires, the waiver of the early withdrawal penalty. For any account which earns an interest rate that may vary during the term such as a bump certificate, the interest rate we will use to calculate this early withdrawal penalty will be the interest rate in effect at the time of the withdrawal. You may make withdrawals of principal from your account before maturity. In making such withdrawals, your balance may not fall below the minimum or we will close your account. Principal withdrawn before maturity is included in the amount subject to early withdrawal penalty. You can withdraw interest only on the crediting dates without penalty. A $500 minimum deposit is required for consumer, IRA, and business certiﬁcates. Early withdrawal penalties may apply and may reduce earnings. Certiﬁcate rate is for a limited time only and could end at any time. Stated rate as of the first day of the month.	H85PLKJXZ2QM
Bump Certificate	[APY] A penalty may be imposed for early withdrawal. Fees may reduce earnings. The minimum balance to open the certificate is stated in the chart. The Certificate owner must contact Gesa Credit Union to request the one-time rate increase on Bump Certificate accounts. The rate on the Bump Certificate will be changed on the following business day of the date Gesa Credit Union receives the request. The bump option can only be exercised once during the term of the Certificate and does not increase the term of the certificate. The new interest will not be applied retroactively. The new interest rate will be the interest rate we are then offering on regular certificates (non- bump rate certificates) that have the same term and minimum balance. Bump Certificates are only available for consumer and IRA Certificates. Early withdrawal penalties will apply. Minimum deposit balance must be maintained to earn APY and fees may reduce earnings on the account. Special offer for a limited time only.	RXNQ72MLYV9C

* * * * *