Credit Score Updates
$hopping RewardsTM, 5
Cell Phone Protection1
- $hopping RewardsTM – Enjoy exclusive offers and discounts at thousands of leading online retailers
- Cell Phone Protection1 of up to $400
- Monthly Credit Score2 update and bi-annual Credit Report
- IDProtect3® with identity theft expense reimbursement coverage1 and resolution services
- Debit Advantage® Buyer’s Protection1 and Extended Warranty1 on items purchased with your MyAdvantage Checking Account
- Travel & Leisure Discounts (available online only)
- Health Savings Discounts4
- AD&D Insurance1
MyAdvantage Checking Comparison
| MyAdvantage Checking | GFCU Basic Checking | Standard Checking from Big Banks | |
|---|---|---|---|
| Get Paid Up To 2 Days Early | Varies | ||
| Free Bill Pay Service | Varies | ||
| Access to Co-Op ATM Network | - | ||
| $hopping RewardsTM,5 Discounts & Cash Back | - | - | |
| Identity Monitoring
(registration/activation required) | - | - | |
| Credit File Monitoring
(registration/activation required) | - | - | |
| Cell Phone Protection1 | - | - | |
| Travel & Leisure Discounts
(available online only) | - | - | |
| Health Discount Savings4 | - | - |
Find an ATM or Branch Near You
Access and manage your full suite of account benefits by visiting the MyBenefits website or downloading the app for iPhone or Andriod.
What consumer checking account options does GFCU offer?
We have a Basic Checking Account and a MyAdvantage Checking Account. You can see the two accounts compared here.
Is there any charge for my debit card once I open my checking account?
No. When you open a checking account with us, you’ll receive a personalized debit card at no additional cost.
Can I deposit checks on your mobile app?
Yes. Eligible members can use Smart Deposit on their mobile app to deposit checks.
Is there a fee to use your checking accounts?
There is no fee to use our Basic Checking account. Our MyAdvantage Checking account is $5 per month, but with that minimal fee comes substantial value-added savings. There are benefits such as identity theft protection and monitoring, cell phone protection, travel and leisure discounts and shopping rewards, just to name a few!
What is IDProtect?®3
IDProtect covers yourself, your family and your joint account owners with our identity theft monitoring and resolution service that includes credit file monitoring*, monitoring of over 1,000 public databases, identity theft expense reimbursement coverage1, fully managed resolution services, and more.
*registration/activation required
What is covered with Cell Phone Protection?1
You will receive up to $400 of replacement or repair costs if you mobile phone has been stolen or damaged you are covered for up to four devices. Your mobile phone bill must be paid through a Generations FCU account.
What is included with AD&D Insurance?1
You’re protected from the unexpected with up to $10.000 of 24-hour Accidental Death and Dismemberment Insurance. (Coverage divides equally on joint accounts and reduces by 50% at age 70).
Here’s all you need:
- Government Issued ID/Driver’s License/State ID
- Your complete physical and mailing address
- Social Security Number
1Special 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 offered through the company named in the Guide to Benefit or on the certificate of insurance.
2You 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.
3Benefits are available to personal checking account owner(s), their joint account owners and their eligible family members subject to the terms and conditions for the applicable Benefits. Some Benefits require authentication, registration and/or activation. Benefits are not available to a “signer” on the account who is not an account owner or to businesses, clubs, trusts, organizations and/or churches and their members, or schools and their employees/students. Family includes: Spouse, persons qualifying as domestic partner, and children under 25 years of age and parent(s) of the account holder who are residents of the same household.
4This is NOT Insurance. Registration/activation required.
5Registration/activation required; available online only.
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.