Routing Number 325181248
We have a vacancy on our Supervisory Committee. Learn More about how you could help shape the future of Gesa Credit Union.
This hassle-free checking account covers all your basics.
*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: Funds from your corresponding savings account will be transferred first to cover your overdraft, for a $5 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the required $5 primary savings account deposit; have a Gesa loan that is past due; your Courtesy Pay privileges have been revoked on another Gesa account; or if the amount needed to cover your payment exceeds your Courtesy Pay limit.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 a minimum period of 24 hours 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.
*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: Funds from your corresponding savings account will be transferred first to cover your overdraft, for a $3.50 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 a minimum period of 24 hours 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.
All Gesa debit cards support local communities whenever you use them.
You swipe; we donate — at no cost to you!
Get early access to your direct deposit before it lands in your checking account
Learn moreRound up your transactions to the next whole dollar and grow your savings effortlessly.
Learn more24-hour access to your accounts to make transfers, deposit checks, and more.
Learn moreAccess to over 70,000 surcharge free ATMs throughout the CU24 credit union ATM network.
Learn moreIn unexpected situations, choose what happens if you are short on funds in your checking account.
Learn morePay for your purchases with your Gesa debit or credit card on your smartphone.
Learn moreWe believe in growing your money. That’s why we have no monthly service charges on our personal checking accounts.
Learn moreCard manager and custom alerts to keep you in the loop about your money.
Learn more
Snag your choice from over 65 Affinity cards that fund your local high school, plant trees in the PNW, or give back to local heroes like healthcare workers, firefighters, law enforcement, educators, or Veterans.
When you bank with Gesa, you keep your money in your community and give back to local schools and organizations.
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 (Courtesy Pay, Savings Transfer, and Personal Line of Credit). Whatever works for you, works for us.
Reordering checks is easy! Grab your reorder slip that came with your last box of checks. The slip shows your next start number and your unique reorder identification number. Don’t have that? Call our Member Contact Center at (509) 378-3100 or (888) 946-4372.
Your savings are federally insured to at least $250,000 and backed by the full faith and credit of the United States Government.
ATM fee rebates are only allowed for eligible Colossal Checking accounts. To qualify, the accounts must have a valid email address, complete 18 debit card purchases, have at least one direct deposit or external ACH auto debit set up, and receive eStatements. For accounts that qualify, ATM fees of $4.99 or less will be reimbursed up to a maximum of $4.99 per individual transaction.
All Gesa consumer checking accounts have no monthly service charges.
Gesa offers many other services to help members accomplish their financial goals, such as Cashier’s Checks, Safe Deposit Boxes, Savings Bond Redemption, and Notary Service.
Yes, however, there are exceptions: if you are an international student, Battelle employee, or have a Mexican Matricular card, you can be exempt from needing a TIN Number.
Still have questions?
This smart checking account has no gimmicks or monthly fees—plus, it makes you money.
Equal Housing Opportunity
Co-op Shared
Branch
© Gesa Credit Union. All Rights Reserved.
Applying should only take a few minutes. Please have these documents ready:
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.
Gesa makes banking as easy, convenient and secure as possible.
Gesa credit union is committed to making a positive impact in the communities we serve.
Affinity debit cards give back to your community when you swipe.
We have the accounts, products, and services to help you and your small business succeed.
With best-in-class rates and a variety of everyday banking products, Gesa has the right account, card, or loan for you.
Up to 5.00% APY
On select checking accounts!
Routing Number 325181248
| Disclaimer | |
|---|---|
| *APY | * APY = Annual Percentage Yield. Rates, terms, and fees are subject to change. APY is accurate as of the first day of the month – the last dividend declaration date. |
| SmartPlus Checking | *To earn the higher rate, you must:
|