FREE Checking

You deserve a more rewarding checking account.
GLCU Free Checking earns you interest, plus
debit card rewards!

Features:

  • Debit Card Rewards
  • NO Monthly or Hidden Fees
  • NO Minimum Balance Required
  • 2.50% APY on balances up to $10,000*
  • Get your paycheck up to one day earlier!**
  • ATM fee rebates up to $10 a month, plus access to more than 30,000 ATMs nationwide
  • Access to more than 5,500 branches via shared branching

  Get a FREE debit rewards card

Earn points just like you would with a credit card (minus the balance due at the end of the month)!

  • Free GLCU debit rewards card that rewards you for everyday spending – just swipe or add to your mobile wallet and rewards are automatic
  • Redeem points for merchandise, gift cards and even airline tickets
  • Shop major retailers and earn up to 50 times more rewards points

Link your checking account to your rewards account and points earned will be directly deposited monthly into your www.glcurewards.org account for you to redeem. Otherwise, you’ll receive rewards redemption certificates each quarter in February, May, August and November.

Points are awarded for ongoing card purchases; one point is awarded for every $100 spent with a signature or a PIN transaction. ATM transactions do not apply. Points awarded in relation to dollars spent are subject to change without notice.

  Earn 2.50% APY on your entire balance up to $10,000**

Earning interest shouldn’t be reserved just for savings. GLCU Free Checking pays you dividends on your checking balances.

What you get:

  • 2.50% APY on balances up to $10,000*
  • NO monthly fee
  • NO minimum balance requirements

How to qualify:

  • $500 per month direct deposit
  • Sign up for eStatements
  • Pay one bill per month using Bill Pay or login to Mobile Banking once a month
  • Complete 15 signature-based purchases (not using PIN) that total $150 or more
Open An Account

View Current Rates

Checking Account Rates

Effective Date: Thursday, September 23, 2021

*APY = Annual Percentage Yield. All dividend rates and APY may change at any time, as determined by GLCU Board of Directors. The APYs shown above assume that all principal and dividends remain on deposit for the entire term. Fees could reduce earnings on the above accounts. Penalties apply for early withdrawal from Share Certificates and Holiday Savings Accounts. Additional account information is provided in separate Account Disclosures.

**Balances up to $10,000 will earn the stated dividend rate and the portion of the balance over $10,000 will earn the standard savings dividend rate. Dividends will be paid on ONE FREE Checking Account per member. Fees could reduce earnings. Also applies to Teen Checking Account.  

Minimum requirements to earn Free Checking dividends:

  1. Maintain a monthly Direct Deposit of $500.00 or more. 
  2. 15 signature-based debit card purchases (no returns, PIN or ATM) totaling $150 or more. All purchases must be cleared and posted to your transaction history within the current month. Authorized or pending purchases do not qualify. 

  3. You must be enrolled in eStatements, and an active user of GLCU's online Bill Pay or Mobile Banking.

  Manage your account 24/7 from anywhere

Access your checking account and manage your debit card from anywhere with GLCU Mobile Banking.

Services available through Mobile Banking:

  • Manage your card: Place travel alerts, turn card on/off, block card, request a replacement from anywhere
  • View account summary and balances
  • Deposit checks
  • Connect to GLCU’s Money Manager to monitor your spending
  • Transfer funds, pay bills and more

LEARN MORE

 

  Get your paycheck up to 1 day earlier**

Payday is always a great day. Getting paid a day early is even better! Early direct deposit is available for GLCU members with a FREE Checking account who have set up direct deposit with their employer. The direct deposit may be available up to a day early, depending on the timing of your employer’s payment instructions.  

OPEN AN ACCOUNT

 

Additional Resources

Branches & ATMCalculatorsDeposit RatesSupport

*APY = Annual Percentage Yield. All dividend rates and APY may change at any time, as determined by GLCU Board of Directors. The APYs shown above assume that all principal and dividends remain on deposit for the entire term. Fees could reduce earnings on the above accounts. Penalties apply for early withdrawal from Share Certificates and Holiday Savings Accounts. Additional account information is provided in separate Account Disclosures.

Balances up to $10,000 will earn the stated dividend rate and the portion of the balance over $10,000 will earn the standard savings dividend rate. Dividends will be paid on ONE FREE Checking Account per member. Fees could reduce earnings. Also applies to Teen Checking Account. 

Savings-only membership may be subject to qualifications to avoid a monthly fee.  See fee schedule for full details.

Minimum requirements to earn Free Checking dividends:

  • Maintain a monthly Direct Deposit of $500.00 or more.
  • 15 signature-based debit card purchases (no returns, PIN or ATM) totaling $150 or more. All purchases must be cleared and posted to your transaction history within the current month. Authorized or pending purchases do not qualify.
  • You must be enrolled in eStatements, and an active user of GLCU's online Bill Pay or Mobile Banking.

** Depends on when your payor sends funds. Early direct deposit is available for GLCU members with a checking or savings account who have set up electronic direct deposit with their employer or other payor into their eligible GLCU checking or savings account. Certain non-payroll and tax payments are not eligible for early direct deposit. Direct deposits may be available up to one day before the settlement date (the date your payor tells GLCU to release the funds to you), however GLCU is dependent on the timing of your payor’s payment instructions so you may not see all direct deposits, or every direct deposit, arrive early.