Checking Accounts(1)

Checking Accounts are ideal for members who want a checking, free local and nationwide ATMs, online banking and access to their money 24/7 where you are.

Personal Checking Account

• Everything you need to manage your money wherever you are.
  • Be part of the pack with the Official Debit Card of the El Paso Chihuahuas(4)! Learn More
  • No monthly service fee
  • Free online and mobile banking(2)
  • Free online bill pay
  • Real time ATM deposit(5) Learn More
  • Mobile Deposit(6) Learn More
  • Free GECU Debit Card™(4) to access your money at ATMs, retailers and restaurants
  • Surcharge free ATMs locally and nationwide(3)

Introducing our GECU Debit Card Fraud Alert Texting system

• Protecting your GECU Debit or ATM Card

  • Protecting your GECU Debit Card from fraud requires monitoring 24/7/365. Don’t worry, we’ve got you covered! Our fraud detection programs monitor your card transactions for any suspicious activity. If potentially fraud transactions are taking place, we’ll contact you immediately so that future fraudulent transactions can be avoided.

    What we monitor

    Purchases outside your normal purchasing patterns, unusual timeframes and geographical locations and/or purchase patterns that are consistent with previously identified fraud trends.

    How we contact you

    Our Card Alert Notification service will automatically contact you if there is a suspicious transaction via a phone call or text message asking you to confirm if a the transaction was authorized by you.

    • The text message will arrive with a 5 digit code (33748) and 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

    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 your phone numbers are constantly updated so we may better serve you. Remember you may receive text message alerts anytime by sending key words to 454545. Log on to your Online Banking account for details.

Senior Privilege Checking Account

• For members 60 years young with special perks. You deserve it!
  • No monthly service fee
  • 15-basis-point bonus on Certificates of Deposit
  • Free box of GECU logo checks (one box per order)
  • Free online banking
  • Free access to your account on your pc, laptop, tablet and mobile phone(2)
  • Free GECU Debit Card(4) to access your money at ATMs, retailers and restaurants
  • Surcharge free ATMs locally and nationwide(3)

Free2Be Checking(3)

• For teens ages 16 – 17 years who want to manage their money.
  • No monthly service fee
  • Free online newsletter and financial tools
  • Surcharge free ATMs locally and nationwide(3)
  • Free access to your account on your pc, laptop, tablet and mobile phone(2)
  • Free GECU Debit Card(4) to access your money at ATMs, retailers and restaurants

Second Chance Checking

• For those who have been denied a checking account or had it closed because of blemished credit or cash management issues, this account is for you.
  • Minimum opening deposit of $15
  • No minimum balance
  • Access to online banking, mobile banking, and online bill pay(7)
  • Online account statements
  • GECU Debit Card

  
  

  And, if you successfully manage your account for six months, we’ll upgrade your account to GECU’s checking account, with all the benefits you’re already enjoying, including no monthly maintenance fee.

CHECKING ACCOUNT COMPARISON

 

(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)No charge to access these services from GECU. Standard text messaging and data rates may apply.
(3)Your first box of 50 checks is at no charge. There may be transaction fees charged by owner of non-GECU ATMs.
(4)Fee may apply to special card designs.
(5)Not available for Second Chance checking.
(6)Deposits can be made using all smartphones and iPad tablets. Not available for Second Chance checking.
(7)Standard text message and data rates may apply