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Overdraft Protection

Cover Me!

There are times in life when you need a little extra help. 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.

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:

For more information about your overdraft options call 1.888.946.4372, Ext. 1201.

Option 1: Courtesy Pay

Courtesy Pay is offered as a safety net for eligible members. This coverage allows you to overdraw your checking account by $500.

  • It costs you nothing if you never use it
  • Easy to enroll—in a branch or by phone: 1.888.946.4372, Ext. 1201
  • No cost to sign up
  • 30 days to repay
  • $29 per use

Option 2: Savings Transfer

Make it automatic! Before Courtesy Pay or an Overdraft Line of Credit is accessed, your overdraft will be taken from your savings account.

  • Transfers are automatic when you overdraw your checking
  • Worry-free coverage up to the amount available in your savings
  • No enrollment or applications necessary
  • $5 transfer fee
  • 6 transfers or withdrawals can made per month

Option 3: Personal Line of Credit

A great option for members who want to use their Personal Line of Credit as an overdraft source.

  • Competitive rates, higher credit line
  • Easy access to funds
  • Fast application process—by phone, online, or at a branch
  • Rates as low as 8.5% APR*
  • $15 transfer fee
  • $15 annual fee

Apply for Personal Line of Credit Here Today

Notes and Fees

*APR = 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.

Loan dependent on approval of credit. Rates, terms and fees subject to change. Contact Gesa for full program details.

Courtesy Pay: Funds from your corresponding savings account will be transferred first to cover your overdraft, for a $5.00 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. This privilege for consumer checking accounts will generally be limited to a maximum of $500 overdraft (negative) balance. 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 Gesa’s fee schedules and disclosures), will be included as part of this maximum amount. 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 $500 limit for Courtesy Pay; 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 $500 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 with a maximum repayment period of 30 days. Overdraft Fee Transaction Categories - The categories of transactions for which an overdraft fee may be imposed are those by any of the following means: check, in-person withdrawal, ATM withdrawal, or other electronic means.

Colossal Checking

Free Checking with Colossal Benefits

Receive all of the benefits of our Classic Checking, plus:

  • Colossal dividends with colossal earnings!
  • Domestic ATM fee refunds. No need to worry about an ATM surcharge again!
  • Electronic delivery of your statements—available anywhere, anytime for you!

To earn Colossal dividends and receive domestic ATM fee refunds, perform the following each qualifying period:

  • Make 18 Debit Card Transactions
  • Set up one direct deposit or ACH auto debit
  • Enroll and receive eStatements

No monthly fees, no minimum balance to open or maintain the account.

Colossal Checking Rates

Qualifying Account BalanceAPY*
$0-10,000 1.30%
$10,000+ 0.05%
Non-Qualifying 0.05%

*APY = Annual Percentage Yield. Rates, terms, and fees are subject to change.

Notes and Fees

Dividends on a Colossal Checking Account will be compounded and credited to a member's accounts each month. Dividends on Colossal Checking accounts are calculated using the average daily balance method. Qualifying account balances meet minimum requirements. APY subject to change monthly. APY is accurate as of 3/1/2015, the last dividend declaration date. Rate may change after the account is opened. Fees could reduce earnings on the account. 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.

Classic Checking

A checking account with no monthly service charges—what could be better? Gesa’s Classic Checking comes with 24/7 access to your accounts through Online Banking, Telephone Banking, GesaMobile, and ATMs.

Additional benefits include:

  • FREE Visa Debit Card
  • No minimum balance required
  • FREE eStatements
  • Monthly member newsletter
  • No Gesa charged foreign ATM fees on the first 4 non-Gesa ATM transactions each month*
  • Courtesy Pay (overdraft privilege) available on eligible accounts
  • FREE Online Banking 
  • Bill Payer FREE

Contact us at 888.946.4372 for more information, and to open a Classic Checking account today!

Ready to upgrade to Colossal Checking?

If you're a regular user of Gesa's electronic services, you may want to check out Colossal Checking. You can earn interest and get unlimited domestic ATM fee refunds nationwide.

Notes and Fees

Foreign ATM operators may charge additional fees when using their ATMs. These fees are not charged by Gesa Credit Union.

4U Student Checking

A 4U Student Checking account makes managing money easy for students on the go. With no monthly service charges, it’s the perfect choice for budget-minded students. Our 4U Student Checking account is open to members ages 14-18. It’s a smart start to becoming a financially responsible adult!

Student-friendly features:

  • FREE Debit Card
  • FREE Online Banking
  • FREE Bill Payer 
  • Unlimited Gesa ATM transactions
  • First 4 non-Gesa ATM transactions FREE each month
  • No minimum balance requirement

Contact us at 888.946.4372 for more information, and to open a 4U Student Checking account today!

Visa Debit Card

More convenient than checks, accepted worldwide.

Your Gesa Visa Debit Card can be used to make purchases anywhere Visa debit cards are accepted. The Visa Debit Card also allows you to access funds in your checking account 24 hours a day at ATMs. You can get cash all over the world at any of the thousands of Visa/PLUS, and CU24 ATMs.

  • Faster and easier than writing checks
  • Accepted where checks are not
  • Get more purchase details on your statement or online
  • Cash access around the world
  • Visa Security System monitors your account for suspicious activity 24/7
  • Courtesy Pay on eligible accounts when using a debit card (Courtesy Pay fee applies)

Contact Member Services at 509.378.3100 or 888.946.4372 for more information and to request your FREE Visa Debit Card today!

Gesa Visa Reloadable Prepaid Debit Card

With a Gesa Visa Reloadable Prepaid Debit Card, the power to manage your money is in your hands. A Gesa Visa Reloadable Prepaid Debit Card offers the flexibility of cash, and the security of a debit card.

As a Gesa member, you can pick up a Gesa Visa Reloadable Prepaid Debit Card at any Gesa branch. Once you spend the funds on the card, it can be reloaded using one of the following methods:

  • Gesa Branch: Reload by visiting a Gesa Credit Union branch.
  • Direct Deposit: Make a direct deposit to a Prepaid Card using any direct deposit of non-government funds.
  • Reload at the Register: Reload at the Register is a faster and easier way to reload cards from the convenience of any register at thousands of retail locations including CVS, Dollar General, Family Dollar, Kmart, Rite Aid, 7-Eleven and WalMart. Cashiers can add cash directly to Prepaid Cards at the register. A reload fee of $4.95 applies. Click here for more details.

Prepaid Debit Cards are convenient for:

Everyday Use

The Visa Reloadable Prepaid Card offers security as well as convenience and the card can be replaced if lost or stolen.


The Visa Reloadable Prepaid Card is a great way for parents to provide their student(s) with a card and load it with the student’s allowance, helping the student budget their money.


Stick to your travel budget by loading funds to your Visa Prepaid Debit Card and using the card on your vacation.

Reorder Checks Online

Reordering checks is easy! 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, click here. For personalized support with the site, please contact our Solution Center at 509.378.3100, or 888.946.4372 during regular business hours.

Phone Order Instructions

If you prefer to reorder your checks over the phone, call the toll-free number: 877.585.8777.

This is a touch-tone system. The same information that you use to order online is needed for phone orders.