Routing Number 325181248
Skip-A-Payment
Applying for a Skip-A-Payment is quick and easy!
Simply log in to Online Banking and select your loan. If it’s eligible for a Skip-a-Payment, you will be presented with the option to initiate a skip.
FAQs
Skip-A-Payment is a program that allows you to skip your monthly payment on your auto, boat, RV, personal loan.
Skipping a payment will not hurt your credit score. If you have the lender’s authorization and meet all requirements—including deferred payments and loan repayment obligations—your loan will not be listed as past due or as a missed payment on your credit report.
- The skipped months will be added to the end of your loan, extending the loan term. Interest will continue to accrue during skipped months.
- Your interest/finance charges will continue to accrue at the rate provided in your original loan agreement. Deferring payment(s) will result in higher total interest/finance charges on the following payment and will extend the terms of the loan(s), resulting in extra payment(s) after your loan(s) would otherwise be paid off.
Loans that can be skipped include Auto Loans, Marine and RV Loan, Motorcycle and Other Collateral Loans, and Personal Loans
The following loan types are not eligible for the Skip-a-Payment:
mortgage, home equity line of credit loans, fixed home equity loans, share secured loans, FastCash loans, lines of credit, business loans, loans opened less than 12 months, any delinquent loans, or don’t meet eligibility criteria.
To request a skip-a-payment on your Gesa credit card, please call Gesa’s Collection Team at 509-378-3100.
To qualify for Skip-a-Payment, your loan must meet the following requirements:
- All of your loan and deposit accounts must be in good standing. They must be current at the time of the request (no grace periods or negative balances).
- You may not have any charge-offs, bankruptcy filings, or repossession against the credit union.
- You can skip any eligible loan once every 12 months. If you have multiple eligible loans, each loan will be on separate cycles depending on if or when you last skipped them.
- You must request a skip a minimum of 5 days before your next loan due date.
Simply log in to online banking or the Gesa app, available for iOS or Android. Select your loan from the Account Summary page then click on Skip-a-Payment.
You may skip any eligible loan payment once every 12 months.
Yes. There is a $35 fee per loan approved for a skip-a-payment.
We will deduct the fee(s) from the account of your choice at the time of submission. Your request(s) will be denied if there are insufficient funds.
The fee can also be paid via debit card at the time of request.
The skip-a-payment option is only available if your loan is eligible for a skip-a-payment.
If you have Gesa GAP insurance, the coverage may not extend beyond the original maturity date of the loan. It allows for one Skip-A-Payment or delinquent payment over the life of the loan.
If you purchased dealer GAP insurance, please reach out to them to see how skipping a payment will affect your coverage.
If you have automatic payments from a Gesa Credit Union account, or if we pull your payment automatically from another financial institution, this scheduled transfer will be skipped as well. Please have your skip request to us at least five (5) business days prior to your payment date. This gives us time to modify your ACH for the month you’ve requested your skip.
You’ll need to log in to stop and restart your External Transfer automatic payment if you have this set up with Gesa online banking. If you have an automatic payment or Bill Pay set up with another FI, you will need to contact them to stop and restart.
We’re sorry, this form is currently out of service. If you need help, please connect with a Gesa branch near you.
*A $35 fee must be paid by debit card or be deducted from your Gesa savings or checking account. The skip will not be processed until the fee has been collected.
This offer is not valid for FastCash Loans, mortgage, home equity line of credit loans, fixed home equity loans, lines of credit, business loans, loans opened less than 12 months, or delinquent loans. No skip requests will be honored until your loan(s) is brought current. Your normal payment schedule will resume the following payment period after the skip. Skipping a payment will require you to make additional payments in order to pay off the loan(s). Interest will continue to accrue on the current loan(s) balance. The next regular payment(s) you make following an extension will reflect a higher amount paid to interest. Note for auto loans: Skipping a payment may affect payment protection and GAP coverage; check your agreement for details. This offer is non-transferable and non-refundable. One skip per qualified loan every 12 months. Other exclusions may apply.
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*A $35 fee must be paid by debit card or be deducted from your Gesa savings or checking account. The skip will not be processed until the fee has been collected.
This offer is not valid for mortgage, home equity line of credit loans, fixed home equity loans, lines of credit, business loans, loans opened less than 12 months, or delinquent loans. No skip requests will be honored until your loan(s) is brought current. Your normal payment schedule will resume the following payment period after the skip. Skipping a payment will require you to make additional payments in order to pay off the loan(s). Interest will continue to accrue on the current loan(s) balance. The next regular payment(s) you make following an extension will reflect a higher amount paid to interest. Note for auto loans: Skipping a payment may affect payment protection and GAP coverage; check your agreement for details. This offer is non-transferable and non-refundable. One skip per qualified loan every 12 months. Other exclusions may apply.
Routing Number: 325181248
51 Gage Blvd. Richland, WA 99352
Federally insured by NCUA
Equal Housing Opportunity
Co-op Shared
Branch
© Gesa Credit Union. All Rights Reserved.
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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 |