Routing Number 325181248
Checking and savings —
SmartPlus Checking
A clever way to make your money earn more money.
SmartPlus Checking
keeps getting smarter
- Earn a great rate of APY* on your first qualified $5,000 in balances*
- We donate to the community whenever you use your debit card
- Enjoy free ATM fee refunds nationwide*
How to qualify
- Maintain enrollment in eStatements
- Make a monthly direct deposit of $200 or more
- Complete 15 debit card transactions every month
- Provide and maintain a valid email address
- Limit one account per member
*APY = Annual Percentage Yield. Rates, terms, and fees are subject to change. APY is accurate as of 03/04/23, the last dividend declaration date. Minimum opening balance of $25 required if the account is opened online.
In order to earn 7.00% APY 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 $200 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.
Dividends on a SmartPlus Checking account will be compounded and credited to a member’s account each month. Dividends are calculated using the daily balance method. Qualifying account balances must meet minimum requirements. Rate may change after the account is opened. The qualifying period begins with the first day of the calendar month and ends on the last day of the calendar month at 6:00 P.M. Pacific Time. ATM fees of $4.99 or less will be reimbursed up to a maximum of $4.99 per individual transaction. No monthly fees and no minimum balance required to open or maintain account unless opened online. Fees could reduce earnings on the account. Limit of one SmartPlus Checking account per member.
Notes and Fees
*APY = Annual Percentage Yield. Rates, terms, and fees are subject to change. APY is accurate as of , the last dividend declaration date. Minimum opening balance of $25 required if the account is opened online.
In order to earn APY 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 $200 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” APY will apply to the entire balance.
Dividends on a SmartPlus Checking account will be compounded and credited to a member’s account each month. Dividends are calculated using the daily balance method. Qualifying account balances must meet minimum requirements. Rate may change after the account is opened. The qualifying period begins with the first day of the calendar month and ends on the last day of the calendar month at 6:00 P.M. Pacific Time. ATM fees of $4.99 or less will be reimbursed up to a maximum of $4.99 per individual transaction. No monthly fees and no minimum balance required to open or maintain an account unless opened online. Fees could reduce earnings on the account. Limit of one SmartPlus Checking account per member.
APY*
On your first qualified $5,000 in balances.
for balances over $5,000.
All Gesa debit cards support local communities whenever you use them.
You swipe; we donate — at no cost to you!
Want to support a specific cause near and dear to your heart?
Snag your choice from over 65 Affinity cards that fund your local high school, plant trees in the PNW, or give back to local heroes like healthcare workers, firefighters, law enforcement, educators, or Veterans.
SmartPlus Checking Account Benefits
-
Online and Mobile banking
24-hour access to your accounts to make transfers, deposit checks, and more.
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Nationwide ATMs
Access to over 70,000 surcharge free ATMs throughout the CU24 credit union ATM network.
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Overdraft protection
In unexpected situations, choose what happens if you are short on funds in your checking account.
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Mobile Wallet
Pay for your purchases with your Gesa debit or credit card on your smartphone.
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Card Manager
Card manager and custom alerts to keep you in the loop about your money.
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No monthly service charges
We believe in growing your money. That’s why we have no monthly service charges on our personal checking accounts.
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Early direct deposit
Get early access to your direct deposit before it lands in your checking account
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Round up transactions
Round up your transactions to the next whole dollar and grow your savings effortlessly.
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Support local
We give back to local communities whenever you use your card. You swipe, we donate.
Learn more
Still have questions?
In those unforeseen moments when you find yourself short on funds, the Gesa Credit Union SmartPlus Checking account with overdraft protection comes to your rescue. Our Courtesy Pay feature is designed to shield you from merchant NSF fees, service interruptions, and the potential embarrassment of declined or returned items.
You have the flexibility to opt for one form of account coverage or combine all three protective measures—Courtesy Pay, Savings Transfer, and Personal Line of Credit—to align with your financial preferences. At Gesa Credit Union, we prioritize offering solutions that work best for you. Learn more about Overdraft Protection.
Overdraft protection is a financial service that helps prevent transactions from being declined due to insufficient funds, to avoid fees and potential service disruptions in service.
Your savings are federally insured to at least $250,000 and backed by the full faith and credit of the United States Government.
Reordering checks is easy! Grab your reorder slip that came with your last box of checks. The slip shows your next start number and your unique reorder identification number. Don’t have that? Call our Member Contact Center at (509) 378-3100 or (888) 946-4372.
ATM fee rebates are only allowed for eligible SmartPlus Checking accounts. To qualify, the accounts must have a valid email address, complete 15 debit card purchases, have at least one direct deposit or external ACH auto debit set up, and receive eStatements. For accounts that qualify, ATM fees of $4.99 or less will be reimbursed up to a maximum of $4.99 per individual transaction.
All Gesa consumer checking accounts have no monthly service charges.
Gesa offers many other services to help members accomplish their financial goals, such as Cashier’s Checks, Safe Deposit Boxes, Savings Bond Redemption, and Notary Service.
A mobile wallet is a digital application on a smartphone or other mobile device that allows users to store, manage, and securely make electronic transactions, such as payments for goods and services, using stored credit, debit, or loyalty card information.
Still have questions?
Routing Number: 325181248
51 Gage Blvd. Richland, WA 99352
Federally insured by NCUA
Equal Housing Opportunity
Co-op Shared
Branch
© Gesa Credit Union. All Rights Reserved.
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We have upgraded to a new account opening process. Click Get Started to continue.
Getting started is easy!
Applying should only take a few minutes. Please have these documents ready:
- Social Security Number (SSN)
- Color copy of driver's license, state ID, or US Passport
- Contact info
-
Opening deposit by debit card or e-transfer*
*Credit cards are not accepted.
Call (888) 946-4372 or apply at a branch
Already a member?
Use your online banking log-in to pre-fill your application with saved information.
You can easily change your debit card through our affinity form.
Help when you need it.
Gesa makes banking as easy, convenient and secure as possible.
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About Gesa
Affinity debit cards give back to your community when you swipe.
We're in the business of growing yours.
We have the accounts, products, and services to help you and your small business succeed.
Banking made for you.
With best-in-class rates and a variety of everyday banking products, Gesa has the right account, card, or loan for you.
Up to 5.00% APY
On select checking accounts!
Notes & Fees Glossary
| Disclaimer | |
|---|---|
| *APY | * APY = Annual Percentage Yield. Rates, terms, and fees are subject to change. APY is accurate as of the first day of the month – the last dividend declaration date. |
| SmartPlus Checking | *To earn the higher rate, you must:
|