Checking Accounts Comparison
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The Easy Way to Decide
Use the chart below to help decide which GNCU Checking account best fits your lifestyle. Plus, it's easy to open an account online and make the switch!
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Checking Comparison
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Aspire Checking
Learn more |
Rock Checking
Learn more |
Cash Back Checking
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Student Cash Back Checking
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Connect Checking
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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 4.00% APY on qualifying balances up to $50,0001 |
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 charges5 |
Minimum Balance Requirement |
None |
None |
None |
None |
None |
Includes a GNCU Visa
Debit Card |
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Free Digital Banking |
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Free Bill Pay |
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ATM Fee Refunds5
(Plus free access to 30,000 ATMs nationwide) |
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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 years of membership, or age 65 years or older |
Monthly Service Charge
(If qualifications are met)
(If qualifications
are not met) |
$0
$15
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$0
$10
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$0
$10
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No Monthly Service Charge
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$0
$5
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1 APY (Annual Percentage Yield) effective January 1, 2023, and subject to change without notice. Aspire Checking accounts earn 4.00% APY on qualifying balances up to $50,000. Rate tiers are as follows: 4.00% APY applies to balances of $0.01 - $50,000.00 and 0.05% APY applies to balances over $50,000.00 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 $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. "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 $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. "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 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. 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. "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 Student 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. "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.
5 Monthly qualifications for waiver of the monthly service fee are 6 debit card purchases must post and clear, 10 years of membership, or member is age 65 years or older. "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.