Get More With a Free Checking Account


2.50% APY*

Earn interest each month


No monthly fee or min balance


ATM Reimbursement each month**


See how GLCU's Free Checking stacks up against the rest:



  • Incredible earnings!  Earn 2.50% APY*

  • No monthly fee or minimum balance

  • Instant Issue Visa® Debit Card

  • FREE Online and Mobile Banking, including Mobile Check Deposit

  • FREE withdrawals at nearly 30,000 GLCU and CO-OP Network ATMs nationwide

  • Reimburse up to $10 per month in ATM fees when made in the US and outside the GLCU/CO-OP ATM Network (when criteria is met) 

View Current Rates

Checking/Savings Account Rates

Effective Date: Thursday, June 24, 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.  

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. 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.

Calculate Your Earnings with Free Checking

FREE Checking Monthly Requirements

New FREE Checking Monthly Requirements

If You Have...You Will Receive
  • $500 Direct Deposit
  • 15 signature-based (no PIN) debit card purchases totaling $150 or more
  • eStatements
  • Pay one bill per month via Bill Pay* or login to Mobile Banking once per month*
  • 2.50% APY* reward on balances up to $10,000
  • No ATM fees at CO-OP Network ATMs
  • Reimburse up to $10 per month in ATM fees made outside the GLCU/CO-OP ATM Network
  • No Monthly Fee
  • No Minimum Balance Required
  • None of the Above
  • No Monthly Fee
  • No ATM fees at CO-OP Network ATMs
  • No Minimum Balance Required
  • FREE: eStatements, Bill Pay, Online & Mobile Banking

Mobile Banking

Easily access your account information, apply for a loan, pay your bills, transfer funds or find a branch or ATM with your mobile device.

Services available through Mobile Banking:

  • Mobile Bill Pay
  • Deposit Checks from your phone
  • Control you debit and credit cards
  • Apply for loans right from the app
  • Manage your money and monitor spending
  • Transfer funds and view account history



How To Open

Unsure of what to do next? See what you need to open an account.



Additional Resources

Branches & ATMCalculatorsDeposit RatesSupport


Checking account comparison chart source data derived from the following sources as of August 10, 2020,than%201%2C000%20from%20its%20peak.