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Pick the Checking Account that Works for You

Compare the benefits of each account, and conveniently apply to open your account online today!

Aspire Checking             Rock Checking            Cash Back Checking            Free Student Checking            Connect Checking

Checking Comparison

  Aspire Checking
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Rock Checking
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Cash Back
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Student Cash Back
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Connect Checking
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 Up to $120 for online purchases2 Earn up to $120 extra per year3 No monthly service charges, qualify to earn up to $120 extra per year3 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)
checking comparison checking comparison checking comparison checking comparison checking comparison
Free Online & Mobile Banking checking comparison checking comparison checking comparison checking comparison checking comparison
Free Bill Pay checking comparison checking comparison checking comparison checking comparison checking comparison
ATM Fee Refunds4
(Plus free access to 30,000 ATMs nationwide)
checking comparison checking comparison checking comparison 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+ yrs 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

$4
 
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1Aspire Checking accounts earn 1.75% Annual Percentage Yield 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. 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. Click here to see current rates and qualifications.

"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 based on up to $10 in reimbursements each qualifying month. A onetime $20 sign-up bonus reimbursement is also available the first month. Monthly qualifications are 9 debit card purchases must post and clear, one direct deposit received, and account statements delivered via eStatements. $20 bonus is additional reimbursement within first month account is open if qualifications are met. Other rewards received when monthly qualifications are met include ATM fee rebates and waiver of the $10 monthly service fee. Membership requirements apply. Available to personal accounts only.

31% 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) based on up to $10 in cash back each qualifying month. Monthly qualifications are 9 debit card purchases must post and clear, one direct deposit received, and account statements delivered via eStatements. Other rewards received when monthly qualifications are met include ATM fee rebates and waiver of the $10 monthly service fee. Student Cash Back Checking is available to students enrolled in school, age 14-24. 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, the 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.

4Must meet monthly qualifications to receive ATM fee refunds. Up to $15 in out of network ATM refunds each month. 

 

5The following conditions apply to the New Member Double Play Bonus promotion: Membership/ownership with Greater Nevada Credit Union (GNCU) is open to anyone living or working in any of Nevada’s 17 counties, and members of their immediate family. Promotion is only available to new members who open a new Share Saving account and their choice of GNCU checking account. Membership eligibility, $5 application fee, and minimum $5 Share Savings account balance required for new membership. Two Reno Aces baseball game tickets for the 2022 baseball season at Greater Nevada Field will be awarded within 3 business days after the new member’s qualifying accounts have been opened. Members are responsible for $1.50 per ticket fee upon redemption for use of the Reno Aces’ digital ticketing platform. Tickets need not be redeemed to qualify for the $25 bonus deposit. $25 bonus deposit will be deposited into the member’s Checking account after 60 days of account’s opening, and all accounts remain in good standing. All accounts subject to approval. May not be combined with any other offers or promotions. Promotion offers are subject to change or cancellation without notice except as required by law. Promotion is valid from May 23, 2022, until September 19, 2022. All rights reserved.