Ultimate Checking is for members looking to get the most from their money.


  • Earn 3.00% APY*
  • No monthly fee or minimum balance
  • Instant Issue Visa® Debit Card
  • FREE Online and Mobile Banking, including eZDeposit (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 made outside the GLCU/CO-OP ATM Network (when criteria is met) 

View Current Rates

Checking/Savings Account Rates

Effective Date: Monday, May 21, 2018

*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 Santa Saver 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 Ultimate Checking Account per member. Fees could reduce earnings. Also applies to Young Adult Ultimate Checking Account.

Minimum requirements to earn dividends:

1. Maintain a monthly Direct Deposit of $500.00 or more

2. 15 Debit Card purchases per month totaling $150.00 or more - signature purchases only, no Returns, PIN or ATM. 

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

Ultimate Checking Monthly Requirements

Ultimate Checking Monthly Requirements

If You Have...You Will Receive
  • $500 direct deposit
  • 15 signature-based debit card purchases (no returns, PIN or ATM) totaling $150 or more
  • eStatements
  • Pay one bill per month via bill pay* or login to mobile banking once per month*
  • 3.00% 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 when 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

Ultimate Checking Reward Counter

Monthly ActivityCurrent MonthLast Month2 Months Ago
Direct Deposit000
Debit Card Purchases000
Debit Card Purchase Amount000
Bill Payyesyesyes
Mobile Bankingyesyesyes