My Checking

• No minimum balance
• No monthly service fee
• Interest on daily balances over $1,500
• Free online banking and bill pay
• Free eStatements
• No monthly fee Visa Check Plus Debit Card
• Free box of standard checks per year

Student Account Holders

Generations believes in serving all generations of your family, that’s why we offer account options for everyone in your family.

Students 16-17 years old can open their own My Checking account and start building a financial future for themselves. Students just need to bring in their Texas ID and social security card.

Students are also encouraged to participate in our jump-start classes, such as Financial Literacy 101, to learn how to best use a checking account to avoid mistakes that can lead to damaged credit.

In addition, students can explore our Student Life page for financial education tips to start their financial future on the right foot and to learn about exclusive scholarships and internships.

Allpoint ATM Network

Generations is part of the Allpoint ATM network, one of the most extensive ATM networks in the world with over 43,000 merchant surcharge-free ATMs across the United States, Mexico, Puerto Rico and more. Members can access cash at over 250 ATMs throughout San Antonio and avoid paying the merchant surcharge fee*. Use the locations map to find the Allpoint ATM closest to you.

Even better, smartphone users can download the Allpoint app and find every nearby ATM from their phone! The app is available for iPhone, Android and Blackberry.

*Members will be charged a small fee for use of a non-Generations owned ATM, as detailed in the Schedule of Fee and Charges.

Privilege Pay

Privilege Pay is an opt-in service allowing Generations to pay your overdrafts for ATM (excluding cash withdrawals) or one-time debit card transactions using your VISA Check Plus card. Contact our Member Service Center at 210-230-9393 to opt-in or register by completing this form.

View VISA Check Plus Disclosure

Table of Contents:

• Expert Articles/Papers
• Infographics
• FAQs

Expert Articles/Papers:

• Shaping Up Your Finances
  You manage to make ends meet. You pay every expense and bill on time, every time. But there’s one person you’ve forgotten to pay… yourself. This white paper offers some great budgeting ideas to help you move away from living paycheck to paycheck and begin saving for your future.
• Checklist: Creating a Budget
  Follow these steps to create your budget.
• Checklist: Spending Money Wisely
  Spending money is easy. Spending money wisely is another matter. Follow these steps to shop smarter.
• Part One: What Does Zero Mean?
  This first of a two-part series seeks to uncover the truth behind the promise of zero as it pertains to credit cards, payday loans and pawnbrokers.
• Part Two: What Does Zero Mean?
  This second of a two-part series seeks to uncover the truth behind the promise of zero as it pertains to the rent-to-own industry, refund anticipation loans and car loans.
• Give Yourself Some Credit
  The bills are piling up and you don't know what to do. Maybe an unexpected medical expense put you behind, or maybe your hours at work were reduced. Whatever the reason, you're behind on your payments and your credit score is taking a beating. It's not too late to turn it all around.

Infographics:

• The True Cost of Tax Refund Loans
  
   
• The Real Game of Life
  
   
• Enhancing Small Business Lending
  
   
• Tighten Your Wallet and Your Waist
  
   
• Building for your future, now!
  

Frequently Asked Questions:

Q. How do I open an account?

A. Visit any one of our convenient locations to open your account.

Q. How do I move my checking account from another bank?

A. When you open your account, we'll give you the information you need to move your money from one financial institution to another. This information will include the credit union's routing number (314088572).

Q. How do I move my direct deposit from another bank?

A. When you open your account, we'll give you information for your employer/government agency to transfer your direct deposit to Generations.

Q. How do I enroll in online banking?

A. For your protection, we require you to register for Online Banking via a multi-step registration process. This process will ask you to:

• Create a user name
• Provide personal information (such as your account number)
• Create a password
• Answer security questions
• Select a security image

The first time you register, you will be provided with step-by-step instructions on this registration process. You can also view our online banking video for more information.

Q. How do I pay bills online?

A. Sign on to Online Banking as usual, and click on the Bill Pay tab. You will be walked through the registration process, which includes:

• Creating a password
• Answering security questions

From there you will enter your payees using your bills, and schedule your payments.

Q. What statement options are available?

A. You can receive your monthly account statement one of two ways: 1) United States Postal Service or; 2) electronically using eStatements -- a safe, convenient and free option that allows you to view, print and save your monthly account statements for up to 12 months via online banking. When you elect to receive eStatements, you will no longer receive paper statements through the mail.

To sign up for eStatements, simply click on the “Documents” tab located within online banking, and select “Sign up for Electronic Statements.” Read the disclosure, type “YES”, and click “Activate Now.”

Q. How do I reorder paper checks?

A. If you do not have changes to your current checks, you can reorder by simply mailing the reorder form in your checkbook. You may also reorder checks online. If you need to make changes to your checks, such as your address, write them on the reorder form and mail it to the address on the form.

Q. What is Privilege Pay and how do I enroll?

A. Privilege Pay is a convenient service that pays withdrawals on your checking account, even when you may not have sufficient funds to cover the transaction. For a small fee, Privilege Pay, will pay your transaction(s) up to $500 (including fees and transactions).

Federal regulations require that you “opt-in” to take advantage of the Privilege Pay service for ATM* and one time debit card transactions using your VISA Check Plus debit card. If you do not opt-in for Privilege Pay, Generations will not be able to pay any overdrafts you may have for ATM or one-time debit card transactions, and the transaction will be denied. It is important to note that any VISA Check Plus card or ATM card that you have with Generations will be affected by these new regulations; however, checks are not.

If you choose to opt-in to Privilege Pay, there is no change to the current fee structure of $25 per insufficient funds transaction, up to $500 total coverage (including fees and transactions). We invite you to contact our Member Service Center at 210-230-9393 with any questions that you might have, or to opt-in to Privilege Pay. You can also register by completing this opt in form [link to downloadable form] and returning it to any branch. For your convenience, any authorized signer on a joint account may register for Privilege Pay.

You may also choose to use overdraft protection, which let's you link your checking and savings account to pay for a checking transaction when there isn't enough money in your account. When you link your checking account to your savings account, we will automatically transfer $100 increments (or up to the available funds if $100 is not available) to your checking account from your savings to cover the transaction, all free of charge. You can link your accounts when you open your checking account.

Q. How do I make transfers between accounts?

A. There are several options available for transferring funds between your accounts:

• Online banking: select the “Transfers” tab
• Over the telephone via an automated response service: call 210-229-1850 (TX toll-free 800-232-8178) and follow the prompts over the phone
• Set-up automatic transfers: visit any one of our locations to set-up a regular transfer of funds between your accounts.

Q. How do I close an account?

A. Should you need to close your account, please visit any one of our locations and we will work to meet your account needs.