Checking Accounts

Accounts designed for you.

Enjoy financial freedom with GEFCU’s wide range of products and services that come with membership to Austin’s oldest Credit Union. From our free EZ Green checking, to interest bearing accounts, GEFCU has the right account to suit your needs!

EZ Green Checking

  • NO minimum balance
  • FREE home banking
  • FREE ATMs through Alliance of Austin Credit Unions
  • FREE E-statements
  • FREE Mobile Application
  • Insured up to $250,000
  • GEFCU Visa Debit Card - Access cash from almost any ATM worldwide; no fees for GEFCU Visa Debit Card usage at GEFCU locations or ATMs with the Credit Union Alliance
  • Overdraft protection - Transfers can be made from your Share Savings account to cover insufficient funds ($5 fee)
  • Remote deposit capture (upon approval)
  • Easy Access - Make deposits in person, by mail, ACH, direct deposit, or payroll deduction. You can also access your account through the 24-hour Audio Response system and through our secure online Home Banking link on the GEFCU website.

Click for Rates & Fees

Checking Unlimited

  • NO minimum balance.
  • NO fee if balance remains at $300 or above.
  • NO per-check charge or fees (except for draft returns or transfers due to insufficient funds).
  • Overdraft protection - Transfers can be made from your Share Savings account to cover insufficient funds ($5 fee)
  • GEFCU Visa Debit Card - Access cash from almost any ATM worldwide; no fees for GEFCU Visa Debit Card usage at GEFCU locations or ATMs with the Credit Union Alliance
  • Easy record keeping - Carbonless checks and monthly statements make record keeping a breeze.
  • Easy Access - Make deposits in person, by mail, ACH, direct deposit, or payroll deduction. You can also access your account through the 24-hour Audio Response system and through our secure online Home Banking link on the GEFCU website.
  • Remote deposit capture (upon approval)
  • New accounts receive first box of checks FREE!*
  • FREE Home Banking
  • FREE ATMs through Alliance of Austin Credit Unions
  • Mobile Application
  • Insured up to $250,000
  • Paper or eStatements available

*Free box must be GEFCU yellow, blue or green security checks.

Click for Rates & Fees

Interest Bearing Checking

Earn dividends on your checking account with our Interest Bearing Checking account. Like the Share Savings account, the GEFCU Interest Bearing Checking account returns interest to members in the form of dividends.

  • NO fee if balance remains at $500 or above.
  • Easy record keeping - Carbonless checks and monthly statements make record keeping a breeze.
  • daily dividends earned on balances of $500 and over
  • PAYS dividends monthly
  • FREE Home Banking
  • FREE 1st box of checks
  • FREE ATMs through Alliance of Austin Credit Unions
  • Overdraft protection - Transfers can be made from your Share Savings account to cover insufficient funds ($5 fee)
  • Paper or E-statements available
  • Mobile Application
  • Remote deposit capture (upon approval)
  • Insured up to $250,000

Click for Rates & Fees

Debit Cards

Want access to your cash 24/7? Get the GEFCU Visa debit card. It can be used to access funds in your account at ATM’s worldwide and can be used as a credit card where Visa is accepted.

Click here to download the Debit Card application.

Please read the debit card disclosure here.

Lost or Stolen Debit Card

Please contact GEFCU during normal business hours at (512) 339-9812.


Read about our Overdraft and Courtesy Pay Fees.