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Checking Accounts

3Point Checking

When it comes to your money, you need a checking account that will save you more and make it easier to manage your money. A 3Point Checking account at GE Credit Union offers no or low fees1 and the convenience of having everything in the palm of your hand—24/7.

  • Free with Direct Deposit1
  • Unlimited access to thousands of surcharge-free ATMs nationwide
  • 24/7 access to your money with Online Banker
  • FREE Mobile Banking and Remote Deposit Capture3
  • FREE Debit Card capabilities
  • Money Management software
  • Lower-fee overdraft protection2


Also, our members over 65 years of age enjoy free checking. And students…your Student Checking account is free for the first four years with a valid student ID.3,4


Members who elect to have their paychecks direct deposited at GE Credit Union may receive their pay up to two days earlier than at the average bank. Most financial institutions that distribute direct deposit payroll receive the funds in advance of payday to ensure that the money is available when needed. Most banks hold on to this money until pay day, even if the money has already been verified a couple days beforehand. But GE Credit Union releases the funds to you, our members, as soon as the money is verified. This means that you could get paid up to two days early!

Please note that if your employer does not deposit funds in advance, you will get paid on the scheduled pay day.

A note for existing members: Your 13 digit account number is required for all electronic transactions. To obtain that information, please call us at 800.992.8472.

Link for new members

Become a member

Links for existing members

To switch your payroll direct deposit over to your existing GE Credit Union Checking Account, complete the following form and take it to your HR/Payroll Department:

Direct Deposit Form

You may open a 3Point Checking Account by completing and returning this form:

Checking Account Application for existing members only

1 Must have at least one of the following: Aggregate direct deposit(s) of at least $150 per month; $1,000 in total share balances; $1,000 in loan balances; 12 or more debit card purchases each month; or be enrolled in eStatements. Otherwise, there is a $10 monthly fee.
2 Overdraft Protection and Lines of Credit are per credit approval.
3 Student checking is available to students with proof of enrollment for up to four years from date of account opening. Accounts for students 17 years of age or younger must be opened with an adult. Remote deposit capture available only for members 18 years of age and older. There are some restrictions on these accounts. Please read the Account Disclosure and other information on this web site.


Debit Card

Ditch the cash. You’ve got a Debit Mastercard!®

GE Credit Union 3Point Checking Accounts include a free Debit Mastercard to give you convenience and freedom wherever Mastercard is accepted. Instead of using a traditional credit card to make purchases, our debit card lets you pay for what you need, and withdraws the funds right from your checking account. It’s the easy way to pay!

  • Accepted at millions of merchants, worldwide
  • Access any ATM, including thousands of surcharge-free ATMs.
  • Keep track of every transaction through Online Banker
  • Get cash back at checkout

Debit Mastercard Benefits

Don't have a Debit Card?

Contact your favorite branch to request a debit card or call us at 800.992.8472 (Mon-Fri, 9:00 AM to 4:00 PM EST).

Have a Lost or Stolen Debit Card?

If your card becomes lost or stolen, please call 800.992.8472 (Mon-Fri, 9:00 AM to 4:00 PM EST) or 833.933.1682 (after business hours) to report. International members please call 501.407.4025.

Overdraft Privilege

It happens… there’s always a time or two that we all find ourselves with insufficient funds in our account. If that’s you—don’t worry. GE Credit Union has you covered with Overdraft Privilege.

How does it work?

It’s easy. Whenever you overdraw your checking account, we’ll cover your checks, ACH payments, and even Debit Card and ATM transactions. You’ve just got to Opt In and let us know that’s what you want.

The benefits?

  • Avoid high fees from merchants for returned checks
  • Avoid embarrassing credit card declines
  • Have peace of mind and flexibility

Each time you use Overdraft Privilege, a low $35 fee will be incurred for each paid overdraft item.

Opt In

Overdraft Lines of Credit

Peace of mind is a beautiful thing. GE Credit Union can give you yours with an Overdraft Line of Credit.

Overdraft Lines of Credit are funds that will automatically cover whatever you overdraw from your checking account. And, the interest you pay is typically less than an Overdraft Privilege fee.

  • Easy, online application
  • Flexible borrowing
  • Instant approvals
  • Pay back only what you borrow—not the approved amount
  • Conveniently access your Line of Credit through Online Banker, checks, or at the ATMs.