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Designed for teens and young adults ages 15 - 23, this checking account provides a way to practice money management skills and financial independence. Accountholders will also have access to a wide variety of educational materials, information and products to help them make smart financial decisions.
Features:
- FREE Online (WebConnect) & Mobile Banking
- FREE Checking Account
- GLCU Visa® Debit Card
- GLCU Visa® Credit Card (with option to personalize)
- FREE Instant Issue Debit Card
- FREE eStatements & eAlerts
- FREE Bill Pay
- FREE eZDeposit
- Get up to a $10 rebate on ATM fees each month
Checking/Savings Account Rates
Effective Date: Thursday, April 2, 2020
| Account | Dividend Rate | APY* | |
|---|---|---|---|
| FREE Checking** | Up to $10,000 | 2.960% | 3.00% |
| Share Savings (incl. IRA) | $100 min to earn | 0.050% | 0.05% |
| Holiday Savings | Up to $1,000 | .995% | 1.00% |
| Holiday Savings | $1,000.01 or greater | 0.050% | 0.05% |
| Kirby Kids Savings | $5 min to earn | 0.050% | 0.05% |
*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 Young Adult FREE 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.