Checking Accounts Comparison

                                                 

Checking Comparison

	Aspire Checking Learn more	Rock Checking Learn more	Cash Back Checking Learn more	Student Cash Back Checking Learn more	Connect Checking Learn more
Best for those who want	Higher Yields	Monthly Rewards	Cash Earnings	Free student checking, with option to earn cash back	Everyday Value
Featured Benefits	Earn up to 1.75% APY1	Earn up to $120 per year for online purchases + one-time $20 sign up bonus2	Earn up to $120 in cash rewards per year3	No monthly service charges, qualify to earn up to $120 extra per year4	Easy to avoid service charges
Minimum Balance Requirement	None	None	None	None	None
Includes a Visa Debit Card (Plus permanent replacement cards as-needed from most GNCU branches)
Free Online & Mobile Banking
Free Bill Pay
ATM Fee Refunds5 (Plus free access to 30,000 ATMs nationwide)				Free Access to 30,000 ATMs Nationwide	Free Access to 30,000 ATMs Nationwide
Monthly Qualifications	9 debit card purchases, eStatements, & direct deposit	9 debit card purchases, eStatements, & direct deposit	9 debit card purchases, eStatements, & direct deposit	6 debit card purchases & eStatements to qualify for Cash Back	6 debit card purchases, or 10 yrs of membership, or 65+ years of age
Monthly Service Charge (If qualifications are met) (If qualifications are not met)	$0 $15	$0 $10	$0 $10	No Monthly Service Charge	$0 $5
Apply	Apply Now	Apply Now	Apply Now	Apply Now	Apply Now

¹APY = Annual Percentage Yield. Aspire Checking accounts earn 1.75% APY on qualifying balances up to $25,000. Rate tiers are as follows: 1.75% APY applies to balances of $0.01 - $25,000.00 and 0.05% APY applies to balances over $25,000.00 if qualifications are met during the monthly qualification cycle. 0.05% APY applies to all balances if monthly qualifications are not met. Other rewards received when monthly qualifications are met include up to $15 in out-of-network ATM fee rebates and waiver of the $15 monthly service fee. Proof of ATM fees of $5 or more may be required to process fee rebate. For rebates of individual ATM fees of $5 or more, please visit a GNCU branch or call the Member Resource Center at (800) 421-6674. Monthly qualifications are 9 debit card purchases must post and clear, one direct deposit received, and account statements delivered via eStatements. The Dividend Rate and Annual Percentage Yield may change monthly for Checking Accounts. Rates and terms are accurate as of Wednesday, April 1, 2020 and are subject to change. Fees may reduce earnings. Membership requirements apply. Available to personal accounts only.

"Qualification Cycle" means a period beginning one day prior to the first of the month and ending one day prior to the last day of the month (ex. July 31-August 30 for August statement). Transactions may take one or more business days from the transaction date to post to an account from the date the transaction is made.

²Up to $120 in iTunes® or Amazon.com®, or Google Play™ purchase reimbursements per year based on up to $10 in reimbursements each qualifying month if qualifications are met. A one-time $20 sign up bonus reimbursement is included after the first full monthly qualification cycle if qualifications are met. Other rewards received when monthly qualifications are met include up to $15 in out-of-network ATM fee rebates and waiver of the $10 monthly service fee. Proof of ATM fees of $5 or more may be required to process fee rebate. For rebates of individual ATM fees of $5 or more, please visit a GNCU branch or call the Member Resource Center at (800) 421-6674. Monthly qualifications are 9 debit card purchases must post and clear, one direct deposit received, and account statements delivered via eStatements. Membership requirements apply. Available to personal accounts only.

³Up to $10 in cash back monthly based on 1% cash back on all signature and pin based swipes on the first $1,000 in point of sales transactions per month when qualifications are met. Other rewards received when monthly qualifications are met include up to $15 in out-of-network ATM fee rebates and waiver of the $10 monthly service fee. Proof of ATM fees of $5 or more may be required to process fee rebate. For rebates of individual ATM fees of $5 or more, please visit a GNCU branch or call the Member Resource Center at (800) 421-6674. Monthly qualifications are 9 debit card purchases must post and clear, one direct deposit received, and account statements delivered via eStatements. Membership requirements apply. Available to personal accounts only.

⁴Student Cash Back Checking is available to students enrolled in school, ages 14 - 24 years old. Students must be available to present a student ID or substitute evidence of enrollment. Up to $10 in cash back monthly based on 1% cash back on all signature and pin based swipes on the first $1,000 in point of sales transactions per month when qualifications are met. Monthly qualifications are 6 debit card purchases must post and clear and account statements must be delivered via eStatements. Membership requirements apply. Available to personal accounts only.

⁵Must meet monthly qualifications to receive ATM fee refunds. Up to $15 in out of network ATM refunds each month. Proof of ATM fees greater than $5 may be required to process fee rebate. For rebates of individual ATM fees greater than $5, please visit a GNCU branch or call the Member Resource Center at (800) 421-6674.