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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 Xpress Online, Xpress Telephone Banking, Xpress Mobile, and Xpress ATMs.

Additional benefits include:

  • FREE Visa® Debit Card
  • FREE eStatements
  • 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 Xpress Online
  • Bill Payer FREE

There is no minimum balance required to open this account in person. There is a minimum balance of $25.00 requirement if the account is opened online.

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

Ready to upgrade to Colossal Checking or Premier Checking?

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

Personal ACH Routing & Transit Number


Notes and Fees

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

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 up to $4.99 per withdrawal. 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 unlimited domestic ATM fee refunds up to $4.99 per withdrawal, perform the following each qualifying period:

  • Must provide and maintain a valid email address
  • Must apply and maintain a debit card and make 18 Debit Card Transactions (excluding ATM transactions/inquiries and deposits/credit transactions)
  • Set up one direct deposit or external ACH auto debit (To view the PDFs, you must have the free utility Adobe Reader. Click here to get it.)
  • Enroll and receive eStatements

No monthly fees, no minimum balance to open this account in person. There is a minimum balance of $25.00 if the account is opened online.

Personal ACH Routing & Transit Number


Colossal Checking Rates

Qualifying Account Balance APY*
$0 – $10,000.00 3.00%
$10,000.01+ 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 account each month. Dividends on Colossal Checking accounts are calculated using the daily balance method. Qualifying account balances meet minimum requirements. APY subject to change monthly. APY is accurate as of 5/1/2019, the last dividend declaration date. 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. Fees could reduce earnings on the account. Limit of one Premier Checking or Colossal Checking account per member.

Student Checking

A 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 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 Xpress Online
  • FREE Bill Payer 
  • Unlimited Xpress 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 Student Checking account today!

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 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
  • Easy to enroll—in a Member Service Center or by phone: 1.888.946.4372, Ext. 1201
  • No cost to sign up
  • 20 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 Member Service Center
  • Rates as low as 9.00% APR*
  • $25 transfer fee
  • $35 annual fee

Apply for Personal Line of Credit 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 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 Gesa’s 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.  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 - 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.

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 Member Contact 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.

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