Get rewarded for everyday spending with a free checking account that offers debit card rewards, pays dividends, and gives you ATM rebates! No fees. No minimum balance required. Open a free checking account today in minutes.

 

 

a couple buys something online with their debit card.

GLCU Debit Card Rewards

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 earn 1 point for every $100 you spend on your debit card. 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.

 

 
a man and lady high five after learning they will earn interest on their checking account.
 

Earn 2.50% APY on balances up to $10,000*

  • ATM fee rebates up to $10/month

  • 24/7 access via mobile and online banking

  • No minimum balance required

  • No monthly or hidden fees

  • Get your paycheck one day early1

  • Get 1 point for every $100 you spend on your debit card for debit card rewards

  • Get auto loan discounts with your Free Checking account.

  • Earn even greater interest when you combine Free Checking account with a Companion Money Market account

  • You must be 18 or older to open an account online

 

If you have many accounts, use the Share Insurance Estimator to help determine how you can structure them to remain under NCUA insurance.

View Current Rates

Checking Account Rates

Effective Date: Wednesday, December 7, 2022

*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.

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.

 

Looking to switch to GLCU?

 

Visit any of our convenient branches, call us toll free at (800) 982-7850 to speak with a representative.

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. 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. 

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:

1 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.