Checking Accounts

We offer a choice of checking accounts to best meet your financial goals and lifestyle. All our personal checking accounts have no monthly service charges and convenient 24/7 access to your accounts with online, phone and mobile banking options.

Colossal Checking

If you have a Classic Checking account and you're a regular user of Gesa's electronic services, you may want to consider Colossal Checking. You can earn dividends and get unlimited domestic ATM fee refunds nationwide.

Receive all the benefits of our Classic Checking, plus:

  • Generous dividends to grow your earnings*
  • Domestic ATM fee/surcharge refunds up to $4.99 per withdrawal*
  • Electronic delivery of your statements.

* To maintain these benefits, you must:

  • Provide and maintain a valid email address
  • Apply for and use their Visa® Debit Card to make 18 Debit Card Transactions (excluding ATM transactions/inquiries and deposits/credit transactions) per qualifying period
  • Ensure at least one direct deposit or external ACH auto debit has been set up
    (To view the PDFs, you must have the free utility Adobe Reader. Click here to get it.)
  • Enroll to receive eStatements

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

Colossal Checking Rates

Qualifying Account Balance APY*
(months)
$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. APY is accurate as of 11/1/2019, the last dividend declaration date.

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 11/1/2019, 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 Colossal Checking account per member.

Classic Checking

A checking account with no monthly service charges and no minimum balance requirements if opened in person, 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 (Foreign ATM operators may charge additional fees when using their ATMs. These fees are not charged by Gesa Credit Union.)
  • Courtesy Pay (overdraft privilege) available on eligible accounts
  • FREE Xpress Online
  • FREE Bill Payer

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.

Regular users of Gesa's electronic services may want to consider Colossal Checking for additional benefits.

Student Checking

A Student Checking account makes managing money easy. With no monthly service charges, it’s the perfect choice for budget-minded students. Our Student Checking account is open to members 14-18 years old.

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.

Premier Checking

Looking for even higher dividend rates? With Premier Checking you can earn Premier dividends*, receive unlimited domestic ATM fee/surcharge refunds up to $4.99 per withdrawal*, and pay no monthly fees! Premier Checking accounts may only be opened at a Moses Lake, Spokane, Wenatchee, or Yakima Member Service Center.

* To maintain these benefits, you must:

  • Make 18 Visa® Debit Card Transactions (excluding ATM transactions/inquiries and deposits/credit transactions) per qualifying period
  • Have at least one direct deposit or external ACH auto debit set up
    (To view the PDFs, you must have the free utility Adobe Reader. Click here to get it.)
  • Enroll to receive eStatements

There are no monthly fees and no minimum balance required to open or maintain account.

Premier Checking Rates

Qualifying Account Balance APY*
(months)
$0 – $5,000.00 5.00%
$5,000.01+ 0.05%
Non-Qualifying 0.05%

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

Notes and Fees

Dividends on a Premier Checking Account will be compounded and credited to a member's account each month. Dividends on Premier 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 11/1/2019, 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. Account must be opened at a Moses Lake, Spokane, Wenatchee, or Yakima Member Service Center. 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. On February 1, 2020, Premier Checking accounts will convert to Colossal Checking accounts.

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 call 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
  • It’s easy to enroll via a Member Service Center or by phone: 888.946.4372
  • No cost to sign up
  • 20 days to repay
  • $29 per use
Option 2: Savings Transfer - the automatic option

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
  • $5 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 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 a Personal Line of Credit now.

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.

Personal Lines of Credit are loans and are 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. 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 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 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.

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.