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Round Up Savings
Auto-save with every swipe
Building your savings can feel like a slow, grueling process—but what if it was automatic? With Round Up Savings* every debit card purchase gets rounded to the nearest dollar, and the spare change is moved into your savings account.
How does Round Up Savings work?
Round Up Savings turns every debit card purchase into a step toward your goals. When you spend $4.38, we round it to $5.00 and move the $0.62 difference into your savings account. Those small amounts add up and transfer automatically overnight—no extra steps, no need to think about it. Whether you’re saving for a trip, a rainy day, or just a bit of peace of mind, Round Up Savings is effortless progress built into your daily routine.
How to get Round Up Savings
Getting started is simple. Enroll online or in the Gesa app, then use your debit card like you always do. Each purchase is rounded up automatically, with the spare change sent straight to your savings—it’s effortless!
1.
Have a Checking & Savings Account
Use your existing Gesa checking and savings accounts—or easily open a new one if you don't have both yet.
2.
Enroll Online or in the App
Log in to online banking or the Gesa app, select your checking account, and enable Round Up Savings.
3.
Choose Your Savings Account
Select where your rounded-up change goes—set up takes less than five minutes.
Find the right checking account for you.
Rounding up is easy and adaptable with a checking account that fits your spending habits.
EarnSmart Perks™ Checking
Premium checking with a high dividend rate, built-in savings, and premium benefits like cell phone protection, roadside assistance, ID theft restoration, and shopping discounts. $7 monthly subscription cost.
EarnSmart™ Checking
Earn more with minimal effort and a high dividend rate. Fee waived with eStatements or a $200 recurring direct deposit. (otherwise $7/month)
Everyday Smart Checking
Simple everyday banking essentials to keep you moving. Fee waived with eStatements or direct deposit. (otherwise $5/month).
Checking Features:
- Online and mobile banking
- Early direct deposit (get paid up to 2 days early)
- Round Up savings
- Debit card that gives back to Pacific Northwest communities
- Card Manager for instant card management
Why choose Gesa Credit Union for checking in the Pacific Northwest?
With Gesa, you get more than just a place to park your money. Our checking accounts come with better savings rates, lower loan costs, and fewer fees—all backed by a credit union that puts members first.
Digital banking features
- Manage money anywhere with Gesa's mobile app
- Get paid up to 2 days early with direct deposit
- Send money with Zelle®
- Automatically save with Round Up
Security and protection
- Lock or unlock your debit card instantly with Card Manager
- Your money is protected by NCUA insurance up to $250,000
- Instant alerts for transactions
- Local fraud team is available when you need support
Community impact
- We donate to local schools and heroes every time you swipe
- We award scholarships for high school seniors, college students, and grads with student loans.
- We partner with local high schools to offer student-run branches and hands-on financial learning.
FAQs
Each debit card purchase rounds up to the next dollar, and the spare change goes straight to your savings account—automatically, overnight. No manual transfers or budget changes needed.
You’ll need:
- A Gesa checking and savings account (primary or joint)
- eStatements activated on both accounts
Round up only works between your own eligible accounts.
Only debit card purchases—online or in person—are eligible.
Not eligible: ATM withdrawals, checks, ACH transfers, or bill payments.
Log into online banking or the Gesa app, select your checking account and click “Round Up”. You can also call us at (509) 378‑3100 or visit a branch.
Yes. You can update your designated savings account anytime through online banking settings.
Gesa won’t overdraft your account for a Round Up transfer. If your balance is too low, we simply skip that day’s round up.
Yes. You can pause or cancel at any time with no fees—just contact us through online banking or by phone.
Disclosures:
*Within two business days the “Round Up transaction” will occur, transferring the “Round Up amount” from your checking account to the savings account or the Gesa Foundation you designated when you enrolled in the program. Your checking account statement will reflect two debit transactions, one for the purchase and one for the “rounded amount”. If you have more than one debit card accessing your account, this rounding function will take place regardless of the card utilized. The Round Up feature will become active within two business days after enrollment in the program.
• Debit card transactions automatically “Round Up” to the next dollar and that amount ($0.01 – $0.99) is transferred to your savings or donated to the Gesa Foundation, if elected.
• Transfer of the Round Up amount may take up to two business days to occur.
• Transfers will not occur if there are insufficient funds, the account is or would be overdrawn, the checking or savings are closed, or eStatements is discontinued.
• You may opt out of the Round Up Program at any time by notifying the credit union by phone or secure message, and you must allow up to two business days for transfers to stop.
• When you consent to participate in the Round Up Program, you are authorizing the credit union to perform the “Round Up” transfer for each debit card transaction. If the credit union performs a Round Up transaction in error, you give the credit union permission to reverse the transaction.
Switching Is Simple
Members like you can move to our new suite of Smart Checking accounts in minutes
Call (888) 946-4372 or stop by any branch.
Facing an unexpected financial emergency?
We offer a range of relief options to ease short-term stress and support you.
Resources
Quick Links
People helping people.
Gesa credit union is committed to making a positive impact in the communities we serve.
In the Community
About Gesa
All debit cards give back to your community
when you swipe.
when you swipe.
We’re in the business of growing yours.
We have the accounts, products, and services to help you and your small business succeed.
Banking made
for you.
for you.
With best-in-class rates and a variety of everyday banking products, Gesa has the right account, card, or loan for you.
Routing Number 325181248
We have upgraded to a new account opening process. Click Get Started to continue.
Getting started is easy!
Applying should only take a few minutes. Please have these documents ready:
- Social Security Number (SSN)
- Color copy of driver's license, state ID, or US Passport
- Contact info
-
Opening deposit by debit card or e-transfer*
*Credit cards are not accepted.
Call (888) 946-4372 or apply at a branch
Already a member?
Use your online banking log-in to pre-fill your application with saved information.
You can easily change your debit card through our affinity form.
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 |