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Checking

Greater Iowa offers a number of accounts to fit your lifestyle. Use the following comparison chart to determine the best checking account for you and your financial needs.

Greater
Checking™ 1		 Prestige Account
Checking		 Basic Blue Free
Checking		 Fresh Start
Checking
Greater prestige basic blue fresh start
Minimum To Open $50 $1,000 2 $0 $0
Minimum Monthly Balance to Avoid Fee $0 $1,000 $0 $0
Online Banking with GICU BillPay Included Included Included Included
Free Mobile Banking Included Included Included Included
Free 24/7 Tellerphone Banking Included Included Included Included
Free eStatements with Check Images Included Included Included Included
Free GICU Owned ATM Transactions Included 3 Included Included Included
Check/ATM/Debit Transactions/Month Unlimited Unlimited Unlimited Unlimited
Debit Card Daily Limits $1,000 (PIN-based)
$5,000 (Signature-Based)		 $1,000 (PIN-based)
$5,000 (Signature-Based)		 $500 (PIN-based)
$3,000 (Signature-Based)		 $250 (PIN-based)
$500 (Signature-Based)
Access to over 1,300 Privileged Status ATMs in Iowa - No Surcharge Included Included Included Included
Overdraft Protection Included Included Included Included
Direct Deposit/Automatic Payments Optional Optional Optional Optional
Remote Deposit Optional Optional Optional Optional
Monthly Service Charge $0

$10 if minimum balance requirement is not maintained

 $0 $5 + Tax
Dividend Bearing Included 4 Included 5

All checking accounts have a minimum age requirement of 18 unless there is a joint holder on the account.

Checking Options Brochure

Greater Checking Account Disclosure

Truth in Savings Disclosure

  1. Requirements: Make at least 20 debit card purchases (PIN-based or signature-based) each month. Have share (membership) account with a minimum balance of $5.00. Elect to receive eStatements. Must elect to use either direct deposit or GICU Online BillPay.
  2. Required to avoid $10/month service charge.
  3. Refund usage fees up to $10/month for using out-of-network or non-Privileged Status™ ATMs.
  4. High dividend rate Annual Percentage Yield (APY) will be earned on balance up to $20,000.
  5. Paid on balances that maintain $1,000 average daily balance.

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