Checking Account | Open a Checking Account Online | GECU

CHECKING

Checking Accounts Designed for You

A GECU checking account1 gives you 24/7 access to your money along with a debit card,2 Mastercard® Zero Liability,3 security alerts4 and fraud-prevention tools.

Personal checking accounts designed for your fast-paced life.

GECU checking accounts give you access and features like …

Checking Accounts

Low or no monthly fees

Our personal checking and youth checking accounts have zero monthly fees.5 Plus, there’s no minimum daily balance requirements to keep your account open.  

Checking Accounts

24/7 checking account access

Monitor your accounts, pay bills,6 make transfers between your GECU accounts, send and receive money with Zelle®,7 see your eStatements and more with GECU Online Banking, the GECU Mobile App,4 or by calling member services.

View checking account access
Checking Accounts

Card Control

Card Control8 lets you turn misplaced cards on and off, limit spending amounts, receive spending-limit alerts and more. Enroll in Card Control today by logging in to your GECU Online Banking account or the GECU Mobile App!

Learn about Card Control
Checking Accounts

Security alerts

Set up account or card text alerts to stay on top of transactions, balances, international purchases, etc. Your debit card is automatically signed up for text, email or phone call alerts that notify you of suspicious or fraudulent activity.

View Security Alerts
Checking Accounts

Contactless payments

Add your GECU debit cards to your mobile wallet to make quick and seamless contactless payments online and in store.

View contactless payments
Checking Accounts

Debit card design options

Empower yourself with the green GECU debit card or show off your team pride with one of the official debit cards of El Paso Locomotive FC or El Paso Chihuahuas.2

Customize your card

COMPARE CHECKING ACCOUNTS

PERSONAL CHECKING ACCOUNTS

Personal Checking Account

Manage your money from anywhere with an account designed for your world.
Manage your money from anywhere with an account designed for your world.

Best for: Members looking for an everyday checking account with 24/7 access.


  • No monthly service fee
  • Convenient access to online banking and the mobile app
  • Withdrawals and deposits at 80,000+ surcharge free ATMs9
  • Mobile check deposits with the GECU Mobile App and at deposit-taking ATMs10
  • Instant-issue debit card with three design options available
  • Direct deposit, Bill Pay, eStatements and more!
View personal checking account
Average daily balance to earn dividends: $2,500 and more

Senior Privilege Checking Account

Get the benefits of our personal checking accounts with perks!
Get the benefits of our personal checking accounts with perks!

Best for: Members ages 60 and above.

 

  • $0 minimum deposit to open and no minimum-daily-balance requirements to keep your account open
  • Convenient access to online banking and the mobile app
  • Senior checking accounts offer free standard GECU checks (one box per order)
  • Direct deposit, Bill Pay, eStatements and more!
View senior checking account
Average daily balance to earn dividends: $2,500 and more

Teen Checking Account

Get your teen started early on their financial journey with a Free2Be Youth Checking Account!
Get your teen started early on their financial journey with a Free2Be Youth Checking Account!

Best for: Teens 16–17 years old looking to learn about financial responsibility.

 

  • No monthly service fee for teen checking account
  • $0 minimum opening deposit required
  • Instant-issue debit card with three design options available
  • Convenient access to online banking and the mobile app
View teen checking account

Second Chance Checking Account

Establish or re-establish your credit!
Establish or re-establish your credit!

Best for: Members who have blemished credit.

 

  • $15 minimum deposit to open and no minimum-daily-balance requirements to keep your account open
  • $15 monthly service charge
  • Instant-issue debit card with three design options available
  • Your account will be automatically converted to a GECU Personal Checking Account when you remain in good standing for six consecutive months
Rebuild your credit
We’re Here to Answer Your Personal Checking Account Questions
  • Can I open a GECU checking account online?
    You can open a GECU checking account online now or by calling 1.800.772.4328.
  • What do I need to open a GECU checking account?
    To open a GECU checking account, you need a valid government-issued ID, driver’s license, state ID, or passport with your current address; your complete physical and mailing address; your Social Security number; and your date of birth.
  • Can I transfer money with a GECU checking account?
    You can make transfers between your own GECU accounts using the GECU Mobile App or GECU Online Banking. You can make external transfers using Zelle® on the GECU Mobile App.
  • How do I switch my direct deposit?
    Provide your employer with your routing number and account number to switch your direct deposit to GECU. Log in to GECU Online Banking, click on “Financial Tools,” then select “Direct Deposit Letter.” Then, provide your direct deposit letter to your employer.
  • What ATMs can I access for free?
    View a list of GECU ATMs that you can use without fees.
  • Do I receive checks when I open a GECU checking account?
    You can order your checks online after opening your GECU checking account.
  • How can I view my GECU checking account?
    You can view your checking account by logging in to GECU Online Banking or the GECU Mobile App. Log in to GECU Online Banking or download the GECU Mobile App.
Checking Accounts

Convenient business checking account services to help your business thrive

  • Added convenience when you handle your personal and business finances in one place
  • Convenient 24/7 account access with online banking and the mobile app
  • Cash management services — send wires11 from your desktop, use Bill Pay, view account balances and eStatements, and more
  • GECU business debit card with three design options available
  • Designated teller window at Viscount and Airway, and Rojas and Zaragoza locations in El Paso, Texas.
  • Peace of mind with security and account alerts
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COMPARE BUSINESS CHECKING ACCOUNTS

Checking accounts that work harder for your business.

50 Free Business Checking Account

An account that can help get your business started.
An account that can help get your business started.

Best for: Members with businesses that make less than 50 transactions per month.

 

  • No minimum-daily-balance requirements
  • Instant-issue business debit card with three design options available
  • $0.30 activity charge per deposit or withdrawal after the first 50 transactions each statement cycle
Open a fifty free business checking account

Business Advantage Checking Account

The account for your growing business.
The account for your growing business.

Best for: Members with businesses that make less than 100 transactions per month.

 

  • No minimum opening deposit required
  • $0.25 activity charge per deposit or withdrawal after the first 100 transactions each statement cycle
  • First month is free, and enjoy no maintenance fee if average daily balance is $1,000 during each statement cycle
Open a business advantage account

Business Dividends Checking Account

Start growing the funds from your business.
Start growing the funds from your business.

Best for: Business members who want to earn dividends on their business funds.

 

  • No minimum opening deposit required
  • $0.25 activity charge for each deposit or withdrawal after the first 200 transactions of each statement cycle
  • First month is free, and enjoy no maintenance fee if average daily balance is $5,000 during statement cycle
Open a business dividends account View dividend rates
We’re Here to Answer Your Business Checking Account Questions
  • What do I need to open a GECU Business Checking account?
    To open a GECU Business Checking account, you need a valid state- or government-issued ID, Social Security number, an employer identification number (EIN) and business entity documents.
  • Will I get charged a fee for opening a GECU Business Checking account?
    There is no fee to open a GECU Business Checking account. An activity charge may be assessed during each statement cycle depending on the type of account chosen. For a full list of activity charges, review your account opening agreement or the Terms and Conditions document.
  • Am I able to send wire transfers?
    Wire transfers can be sent directly from your GECU Online Banking business profile. Enrollment in Cash Management service is required.
  • How much does it cost to send a wire transfer?
    Domestic outgoing wire transfers are $15 each. International outgoing wire transfers are $25 each plus any applicable fees charged by any third-party financial institution. To see the most-recent fees, review the Business Terms and Conditions by logging in to your online banking account.
  • How do I log in to cash management?
    You can log in to business cash management by logging in to your GECU Online Banking business profile. You must request access and sign the agreements to get access to cash management. 
  • Do I have to be a member to open a GECU Business Checking account?
    You can become a member at the same time that you open your GECU business account. To get started, schedule an appointment with a GECU Business Services representative by calling 915.774.4750.
  • How do I get an EIN number?
    Apply for an EIN number online by visiting irs.gov. You will be required to fill out the Form SS-4 PDF and you can download the Instruction PDF on the IRS website.

Disclosures

+ -

Mastercard and the circles design are registered trademarks of Mastercard International Incorporated.
© 2024 Mastercard. All rights reserved.

Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

Membership eligibility is required.
1Must have a GECU share account to open a checking account. A one-time deposit of $10 in a GECU share account is all it takes.
2Debit card is available with checking accounts. Certain fees and conditions apply.
3Under Mastercard® Zero Liability policy, you will not be liable for an unauthorized transaction, as long as you exercised reasonable care in safeguarding the card from risk of loss or theft, and upon becoming aware, promptly report the loss or theft to us; otherwise, your liability will be determined by the GECU Terms and Conditions.
4Standard text-messaging and data rates may apply through the wireless carrier.
5Service fee applies for GECU Second Chance Checking accounts.
6Must have a GECU checking account and enroll to use online Bill Pay.
7Must have a bank account in the U.S. to use Zelle®. Learn more by clicking here.
8Intermittent disruptions as a result of network performance issues and outages beyond our control may delay card control service functionality.
9Transaction fees may be charged by owner of non-GECU ATMs.
10Check deposits are subject to the funds availability policy. Not available for GECU Second Chance Checking accounts.
11Applicable outgoing or incoming wire transfer service fees apply.

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