Checking Accounts
Create a solid financial foundation with a checking account at GFCU. With a secure way to make and accept payments, a checking account is one of the first steps to proper financial management.
Checking Account Benefits
Our full-service Checking Accounts provide you with countless convenient features, including Mobile Banking, access to nearly 30,000 ATMs through the CO-OP ATM Network, a free GFCU Visa® debit card, and FAST direct deposit processing – so you can get paid up to 2 days early!
Banking Locations
GFCU offers convenient branch locations throughout Bexar County, which are equipped with Night Deposit Boxes. We are also part of the CO-OP Shared Branching Network, giving our members access to more than 5,000 shared credit union locations across the country.
ATM Locations
You can find an ATM location near you on our Generations Locations page. Generations FCU is part of the CO-OP ATM Network. CO-OP’s Network gives you access to nearly 30,000 ATMs, which means you have more direct, surcharge-free access to your money than most traditional bank customers do.
Mobile Banking
Accessible through the Generations app, Mobile Banking provides you with safe access to your money. You can use the app to conduct transactions similar to Online Banking, and the mobile app allows members to deposit checks securely via the Smart Deposit feature.
Choose the checking account that's right for you.
Generations’ consumer checking options include Basic Checking, MyAdvantage Checking and MyAdvantage Plus Checking. Review details to see which is best for you.
Coverage
Monthly Fee
Get Paid Up To 2 Days Early1
Minimum Opening Balance
Earns Interest*
Visa® Debit Card REWARDS2
Visa® Debit Card & Online/Mobile Banking Access
ZELLE®
Bill Pay Service
Access to CO-OP ATM Network
One (1) Box of Free Standard Checks Per Calendar Year
Four (4) Complementary Money Orders Per Calendar Year
Four (4) Complementary Cashier's Checks Per Calendar Year
Telehealth5,10
Dark Web Monitoring5
Cell Phone Protection6,7
Identity Theft Protection & Resolution Services8
Credit Monitoring & Credit Score5,9
Credit Report5
Accidental Death & Dismemberment Coverage7
$hopping RewardsTM,3
Travel and Leisure Discounts4
Health Discount Savings5
Roadside Assistance7
(Waived for the first 90 days!**)
- Mary Garza
“Every transaction I have with GENFCU, whether it be through the drive thru, on the phone or in person, I have never received such exceptional customer service like I do with GENFCU.”
-Noah Guerrero
“Absolutely no complaints, Generations team is very well knowledgeable with procedures and necessities for you. Highly recommended to all my friends and family across the board for services.”
- Leon Tamayo
“GFCU made setting up my checking account an extremely easy and smooth process. Very professional!”
How to Get Started:
Become a Member
Choose the Right Product for You
Schedule an Appointment
Not a Generations Member Yet?
There are many ways to become a member, and you can establish your membership with just $5. There are also many benefits to becoming a member of a credit union, including access to dividend-yielding savings and deposit accounts, as well as competitive loans and credit products.
Ready to become a Generations member and open your account?
Questions? Get Contacted.
*MyAdvantage Plus – Balance $2,000 or less: 0.00% APY, $2,000.01-$25,0000: 0.05% APY, $25,000.01-$50,0000: 0.10% APY, $50,000+: 0.10% APY; MyAdvantage – 0.05% APY. APY is Annual Percentage Yield. Published rates and APYs are subject to change daily. Fees and other conditions could reduce earnings on the account. View complete Checking Account rates here.
**No monthly service fees will be assessed for the first three (3) statement cycles, or ninety (90) days, following the date of account opening for any MyAdvantage Plus Checking Account opened on or before March 31, 2026.
1Receive your direct deposit funds the same day they are received by the credit union.
2Earn 1 point for every $5 spent (signature transactions) and 1 point for every $10 spent (PIN transactions) to redeem for gift cards, cash back, travel, merchandise, donations and more.
3Registration/activation required; available via mobile or web only.
4Available via mobile or web only.
5Registration/activation required.
6Cellular telephone bill must be paid using eligible account.
7Special Program Notes: The descriptions herein are summaries only and do not include all terms, conditions and exclusions of the benefits described. Please refer to the actual Guide to Benefit and/or insurance documents for complete details of coverage and exclusions. Coverage is provided through the company named in
the Guide to Benefit or on the insurance document. Insurance Products are not insured by the NCUA or any Federal Government Agency; not a deposit of or guaranteed by the credit union or any credit union affiliate.
8MyAdvantage Plus: Benefits are available to personal checking account owner(s), their joint account owners and their eligible family members. Family includes: Spouse, persons qualifying as domestic partner, and children under 25 years of age and parent(s) of the account owner who are residents of the same household. MyAdvantage: Benefits are available to personal checking account owner(s), and their joint account owners subject to the terms and conditions for the applicable Benefits.
9You will have access to your credit report and score provided your information has been verified by the CRA. Credit score is a VantageScore 3.0 based on TransUnion data. Third parties may use a different type of credit score to assess your creditworthiness.
10MyAdvantage Plus: Available for the account holder(s) and their spouse/domestic partner and up to six (6) dependent children age 2 and older. This is not insurance. MyAdvantage: Available for the primary account holder and their joint account holder(s). This is not insurance.