Fraud Alert:
Members have reported receiving suspicious and unsolicited phone calls and texts from people claiming to be GNCU employees. Please note, we will NEVER send you an unsolicited request to verify your account information, PIN, password, or info about your GNCU debit card. To report suspicious unsolicited communications for a scam attempt, and if you have given out personal information, please contact our Alert Fraud Team by clicking here to submit it through our online form.
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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 Checking
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Student Cash Back Checking
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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 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
checking comparison checking comparison checking comparison checking comparison checking comparison
Free Digital 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 Refunds5
(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 years of membership, or age 65 years or older
Monthly Service Charge
(If qualifications are met)
(If qualifications
are not met)

$0

$15
 

$0

$10
 

$0

$10
 

No Monthly Service Charge
 

$0

$5
 
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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.


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.

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.

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.