Promotions –

To be eligible for the $200 checking incentive, you must open a new SmartPlus checking account, enroll in eStatements, complete 15 debit card transactions (ATM transactions excluded), and receive a recurring payroll or government benefit direct deposit of $250 or more within 60 days of opening the checking account. The checking account must be opened with a minimum of $5 if opened in the branch, or $25 if opened online. No minimum ongoing balance is required. Only one $200 SmartPlus checking incentive can be earned per member. You must not have had a Gesa membership within the last 2 years to be eligible. To be eligible for the additional $50 checking incentive bonus, you must also choose a Local Heroes, Forevergreen, high school or college Affinity debit card during the opening of your new SmartPlus checking account. Incentive payments will be paid by direct deposit into the member’s savings account after all qualification criteria has been met and within 60 days of the SmartPlus checking account being opened. The incentive payments are subject to required IRS reporting.

Rates effective as of the last dividend declaration date. SmartPlus checking accounts earn APY on the first qualified $5,000 in balances. Amounts over $5,000 earn 0.01% APY. In order to earn APY on the first $5,000 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 $250 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. Rates, terms, and fees are subject to change any time after account opening. Fees may reduce earnings. Limit of one SmartPlus checking account per member.