Basic Checking Account

GCCU’s Basic Checking Account has zero monthly service fees and includes the following benefits:

  • No minimum balance requirement
  • No Per Check/Deposit Charge
  • Free online account access
  • Free Bill Pay
  • Courtesy Pay*
  • Deposit checks on-the-go with Mobile Check Deposit*
  • Over 30,000 Surcharge Free ATMs Nationwide

*Ask a credit union representative for details about these services.

Open an Account
Never worry about checks getting lost, delayed, or stolen.

Direct Deposit is a free service that automatically deposits recurring income into your GCCU checking account. It’s convenient, fast and safe. Income you receive from your employer, Social Security, pension and retirement plans and VA Benefits all qualify for Direct Deposit. Simply provide the payor with GCCU’s routing number (231388494) and your checking account number, which can be found at the bottom of your checks.

Overdraft Protections & Services

GCCU has two overdraft services to help you manage your checking account. The automatic transfer service transfers available funds from your savings account to cover your transactions if you don’t have enough money in your checking account. This service is set up automatically on all checking accounts. There is a fee for each overdraft transfer.

We also offer an overdraft line of credit, which is a loan attached to your checking account.  In the event of an overdraft, the line of credit can cover expenses so that you don’t bounce checks, miss payments, or have your debit card denied. The balance on the line of credit will incur interest at your approved loan rate.

Grow your savings, automatically.

Change Saver is an account that helps you save without even thinking about it. When you make a debit card purchase, that purchase is rounded up to the nearest whole number, with the “change” diverted to your Change Saver Account.

Change Saver will never take your checking account negative; it will only draw from available funds. You can withdraw or deposit to your Change Saver Account at any time. To open a Change Saver Account, please visit one of our branches.

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