Checking Accounts

Checking the GCU Way

GCU offers a variety of checking account options for its members. Whether you want a FREE, no minimum balance account or one that pays you interest, we give you a choice. Even if you have had a troubled checking account record at another financial institution, you won’t be denied. Compare accounts to decide which is best for you!

Compare Accounts

This is truly a FREE checking account with no limit on the amount of checks you write, and no minimum balance required. A FREE debit card is provided allowing you cash access as well as purchase power without a check. FREE online account access, E-Alerts, online check images and BillPay, too! Overdraft protection from your savings account is provided. You will receive an account transaction statement each month by mail or online.


In addition to the regular checking account features, by maintaining a minimum balance of $1,000 or more you will earn interest, plus receive unlimited VISA Debit Card purchases and ATM withdrawals*. Overdraft protection from your savings account is provided with no transfer fees.


*The ATM machine owner may assess a surcharge for usage which will be debited from your account.

Things happen in life and we understand that a second chance may be necessary. This account was designed to offer you a fresh start! All of the features that you want including:

  • online access
  • online statements
  • debit card
  • checks
  • FREE E-alerts, too
The monthly maintenance fee is only $5. After 12 months of positive account activity, you can request a review of your account to transfer it to any of our other checking accounts options.

Being a small business, we love small businesses! You get the same great features of our Regular Checking account including a FREE Visa debit card. The monthly fee for checking is $5.00 per month, but it’s waived when a minimum daily balance of $250 or more is maintained. There is no charge or limit to the number of checks or transactions you have. Rolled coin is free, too!