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Deciding which of our checking accounts is right for you? Compare our checking accounts below to see benefits side-by-side and make a decision that helps you Live Greater.
Compare Checking Accounts
The Best Checking Accounts for Your Financial Goals
Aspire Checking
This high-yield checking account is one of our most popular bank accounts that earns an incredible 5.00% APY on qualifying balances up to $25,000 and up to $9 in out-of-network ATM fee refunds each month when qualifications are met.1
Best If You Want
High-yield earnings
Free Digital Banking & Bill Pay
Included
GNCU Visa Debit Card
Included
Monthly Qualifications
9 debit card purchases, enrolled to receive eStatements, and receive at least one direct deposit
Monthly Service Fee (Qualifications Met)
$0
Monthly Service Fee (Qualifications Not Met)
$15
Free Cash Back Checking
Enjoy no monthly service charge with the ability to earn up to $5 in cash back on purchases with your GNCU Visa debit card and up to $9 in out-of-network ATM fee refunds each month when qualifications are met.2
Best If You Want
Free checking with cash earnings option from purchases
Free Digital Banking & Bill Pay
Included
GNCU Visa Debit Card
Included
Monthly Qualifications
9 debit card purchases, enrolled to receive eStatements, and receive at least one direct deposit
Monthly Service Fee (Qualifications Met)
No monthly fee
Monthly Service Fee (Qualifications Not Met)
No monthly fee
Free Student Cash Back Checking
If you are (or a family member is) a student aged 14 – 24 years old, then take advantage of this checking account with no monthly service charge, plus the ability to earn up to $5 in cash back on purchases with your GNCU Visa debit card each month when qualifications are met.3
Best If You Want
Free student checking with cash earnings option from purchases
Free Digital Banking & Bill Pay
Included
GNCU Visa Debit Card
Included
Monthly Qualifications
6 debit card purchases and enrolled to receive eStatements to qualify for cash back rewards
Monthly Service Fee (Qualifications Met)
No monthly fee
Monthly Service Fee (Qualifications Not Met)
No monthly fee
Connect Checking
Keep things simple and convenient with our everyday checking account with easy qualifications to waive the monthly service charge.4
Best If You Want
Everyday value
Free Digital Banking & Bill Pay
Included
GNCU Visa Debit Card
Included
Monthly Qualifications
6 debit card purchases, or 10 years of membership, or 65+ years old
Monthly Service Fee (Qualifications Met)
$0
Monthly Service Fee (Qualifications Not Met)
$5
Explore Checking Account Perks
Every checking account with Greater Nevada Credit Union comes with certain benefits–no need to choose between them.
No Minimum Balance
No need to maintain a minimum balance in any of our checking accounts (but we recommend keeping a healthy amount in yours anyway).
Every Card Purchase Counts
Unlike elsewhere, both PIN (debit) and signature (credit) purchases with your debit card qualify towards the monthly qualifications.
Safe & Secure Digital Banking
We understand that you don’t always want to make a trip to a branch. That’s why we made online banking and mobile app easy to use so you can bank anytime, anywhere you’d like.
Nationwide ATM Access
We partner with other credit unions and ATM providers to extend your access to offer fee-free transactions at over 30,000 ATMs across the U.S. through the CO-OP Shared ATM network.
Mobile Wallet Friendly
Make debit card purchases with your favorite mobile wallet including Apple Pay™, Samsung Pay™, Google Pay™, Garmin Pay™, and Visa Click to Pay.
Always On Patrol
Rest easy knowing we actively monitor all member accounts for fraud with help from Falcon Fraud and other cutting edge tools. Your GNCU Visa debit card also includes coverage by Visa’s Zero Liability Policy5, and you can enjoy complete control over your card through our GNCU Cards app.
What is a checking account?
Do checking accounts earn interest?
How do checking accounts work?
How do I open a checking account?
Additional Banking Services
Save more. Live Greater. We make it easy with a full range of banking products and services designed to increase your financial wellness. From high-yield savings accounts to low-rate loans, there are lots of ways we can help you reach your financial goals at any stage of life.
Open Your Account
Once you’ve found the perfect checking account, the next step is opening it up online or at one of our branches. If you’re a business in Nevada, then be sure to check out our business checking accounts–they’re specifically designed for commercial use.
1 APY (Annual Percentage Yield) effective December 1, 2024, and subject to change without notice. Aspire Checking accounts earn 5.00% APY on qualifying balances up to $25,000. Rate tiers are as follows: 5.00% 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. Dividends will be credited to your account and compounded every month. Other rewards received when monthly qualifications are met include up to $9.00 in out-of-network ATM fee rebates and waiver of the $15.00 monthly service fee. Proof of ATM fees of $5.00 or more may be required to process fee rebate. For rebates of individual ATM fees of $5.00 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. “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. Fees could reduce the earnings on the account. Membership requirements apply. Available to personal accounts only.
2 Up to $5.00 in cash back monthly based on 2.00% cash back on all signature and PIN-based debit card purchases on the first $250.00 in point of sales transactions per month when qualifications are met. Other rewards received when monthly qualifications are met include up to $9.00 in out-of-network ATM fee rebates. Proof of ATM fees of $5.00 or more may be required to process the fee rebate. For rebates of individual ATM fees of $5.00 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. “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. Membership requirements apply. Available to personal accounts only.
3 Student Cash Back Checking is available to students enrolled in school, aged 14 – 24 years old. Students must be available to present a student ID or substitute evidence of enrollment. Up to $5.00 in cash back monthly based on 2.00% cash back on all signature and PIN-based debit card purchases on the first $250.00 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. “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. Membership requirements apply. Available to personal accounts only.
4 Monthly qualifications are 6 debit card purchases must post and clear, 10 years of membership, or member is age 65 years or older for waiver of the $5.00 monthly service fee. Transactions may take one or more business days from the transaction date to post to an account from the date the transaction is made. Membership requirements apply. Available to personal accounts only.
5 Visa’s Zero Liability Policy does not apply to certain commercial card and anonymous prepaid card transactions or transactions not processed by Visa. Cardholders must use care in protecting their card and notify their issuing financial institution immediately of any unauthorized use. Contact GNCU for more detail.