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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 fees* and the convenience of having everything in the palm of your hand—24/7.

  • Free with Direct Deposit* 
  • Unlimited access to thousands of surcharge free ATMs, nationwide
  • 24/7 access to your money with Online Banker
  • Mobile Banking and Remote Deposit Capture
  • Free Visa® Debit Card
  • FinanceWorks
  • Lower fee overdraft protection**

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.1

Apply

*Must have at least one direct deposit of $150 or more per pay period, or a minimum of $1500 in total share balances, or $1500 in loan balances at GE Credit Union.
**Overdraft Protection and Lines of Credit are per credit approval.
1 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.
There are some restrictions on these accounts. Please read the Account Disclosure and other information on this web site. Call 800.992.8472 for a brochure. (All loans per credit approval).

VISA Debit Card

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

GE Credit Union 3Point Checking Accounts include a free Visa Debit Card to give you convenience and freedom wherever Visa 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
  • Enroll in VISA Checkout & Alerts

Have a Lost or Stolen VISA 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 800.528.2273 (after business hours) to report. International members please call 812.647.9794.

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.

Apply