Personal Checking Accounts

Checking Accounts(1)

Locally owned by members in El Paso, Hudspeth County and Doña Ana County, GECU is there for you during every step of life’s journey. That’s one reason we’ve won The City Magazine’s Best of the City six years in a row!

With no ATM fees nationwide, free online banking and 24/7 access to your money, opening a checking account with GECU is one more step toward financial freedom. You can even show your pride for the El Paso Chihuahuas with the official Chihuahuas debit card!

GECU Personal Checking Account Features & Benefits

GECU Debit CardTM Fraud Alert Texting system(3)

  • Protecting your GECU Debit or ATM Card

      Don’t worry — we’ve got you covered! Your GECU Debit Card and account are protected from fraud with our 24/7/365 fraud-detection programs that monitor your card transactions for any suspicious activity. If potential fraud transactions take place, we’ll contact you immediately to keep your checking account safe.

      How we monitor your checking account

      We automatically review account activity and alert you if we detect purchases outside of your normal purchasing patterns, timeframes, geographical locations, and/or if a purchase is consistent with previously identified fraud trends or patterns.

      How we contact you

      If there’s a suspicious transaction on your checking account, our Card Alert Notification service will automatically contact you via a phone call or text message, asking you to confirm if the transaction was authorized by you.

      • The text message will arrive with a five-digit code (33748) and it will contain our financial institution name, dollar amount of the transaction and merchant name.
      • You will be asked to reply with “Yes” if you authorized the transaction. You will receive a confirming text message and can continue to use your card with confidence.
      • A “No” reply means you have not authorized the transaction. You will receive a confirming text message and you will be contacted immediately by a fraud specialist to protect your account. Please answer this important call.
      • Do not reply to the text message with any personal or confidential card information.
      • If you would like to opt out of receiving these important messages by text, you may reply with STOP to indicate this preference.
      • The text-message feature is only for credit purchases using your GECU Debit Card. If fraud is suspected on the GECU Empowerment or GECU Rewards credit card, you will continue to receive a phone call.

      Help us protect you

      If you are traveling in the U.S. or to a foreign country for an extended period of time, contact us prior to your departure and we’ll note this geographical change as you make your departure.

      Mobile Banking Alerts

      Please ensure that your phone numbers are constantly updated so that we may better serve you. Remember that you may enroll to receive text-message alerts anytime by sending keywords to 454545. Log in to your Online Banking account for more details.

Senior Privilege Checking Account

  • For members 60 years young with special perks — you deserve it!
    • No monthly fees
    • 15-basis-point increase on Certificates of Deposit
    • Free box of GECU logo checks (one box per order)
    • Free online banking(3)
    • Free access to your account on your pc, laptop, tablet and mobile phone(3)
    • Free GECU Debit Card to access your money at ATMs, retailers and restaurants(2)
    • Free ATMs locally and nationwide(6)

Free2Be Checking(7)

Second Chance Checking Account


(1)Must have a GECU share account to open a checking account. A one-time deposit of $20 in a GECU share account is all it takes.
(2)Fee may apply to special card designs.
(3)No charge to access these services from GECU. Standard text-messaging and data rates may apply.
(4)Not available for Second Chance checking.
(5)Deposits can be made using all smartphones and iPad tablets. Not available for Second Chance checking.
(6)There may be transaction fees charged by owner of non-GECU ATMs.
(7)Your first box of 50 checks is at no charge.