Checking Accounts

Debit Card

VISA^® Debit Card – Use the VISA^® Debit Card instead of writing checks, charging or paying cash at over 24 million locations worldwide. Use it at your favorite restaurant, department store, grocery store, gas station or any other place that accepts VISA^®. As with a credit card transaction, you keep a signed receipt of every transaction, but unlike a credit card, the amount of the purchase is deducted automatically from your checking account. [Learn More]

Direct Deposit

Direct Deposit – Getting paid has never been easier, or faster. Our members that have direct deposit set up with us report getting their paycheck 1-2 days sooner than their co-workers. Making the switch is easy with our online Switch Kit. [Learn More]

The Easy Way to Spend & Save

Here’s how it works: Every time you make a purchase using your Gulf Coast Educators debit card, your transaction amount will be rounded up to the next dollar, and the difference will be put into your new Dollar Up Savings account. That savings grows without any effort on your part at all, and at 2.99% APY*! Then at the end of the quarter, we’ll deposit the money into your primary savings to spend or save however you’d like. Think of it as your virtual change jar!

Example: If you spend $3.50 on coffee, $8.13 on lunch, and $56.26 on gas during one day, at the end of the day $2.11 will be transferred from your checking account to your dollar up account.

If you spent that same amount every day, you could grow your savings to more than $60 in one month, and almost $200 in one quarter! Grow your pennies into dollars, and then into hundreds of dollars. All while earning 2.99% APY* on your savings.

Get started today and open your Dollar Up Savings account by filling out the form below.

Disclosures

*APY = Annual Percentage Yield. APY is accurate as of 04/01/20.
Minimum balance of $5 on Dollar Up Savings account to begin earning 2.99% APY. No outside deposits may be made to the Dollar Up Savings account. Total sum of remaining cents for each debit card transaction will be automatically deposited into Dollar Up Savings account at the end of each day. Funds must be available in the checking account to complete transfer. Funds will be deposited into the member’s primary savings account the first day of every quarter.

Rates & Disclosures

Order Checks

Use the following form to order checks from your credit union. Please allow 7-10 business days for delivery. For complete list of pricing, click here.

Nationwide Access to over 55,000 Surcharge Free ATMs

There is never a charge to use Gulf Coast Educators ATMs, but some other financial institutions impose fees called “surcharges” when you use their ATMs. Not nice. To avoid these fees, we’ve partnered with the Allpoint Nationwide Network. Look for one of the more than 55,000 Worldwide Allpoint ATMs for a “No Surcharge” ATM near you. You’ll find Allpoint ATMs in retail locations such as Walgreens, CVS, Target and more. Last month alone, our members saved over $30,000 in surcharges by using Allpoint ATMs. That’s money that our members got to keep.

Find an Allpoint “No-Surcharge” ATM near you.

Using the Allpoint search feature will redirect you to the Allpoint website. Gulf Coast Educators Federal Credit Union is not responsible for the content of the alternate website.

Electronic Transfers

You can transfer money to your accounts at other credit unions or banks by adding them as an external account. Simply log into online banking from your desktop computer and go to the SETTINGS section. Select the ACCOUNTS tab and click LINK AN EXTERNAL ACCOUNT. Once you have completed all of the steps, you can make transfers to and from your external account within the TRANSFERS section of online banking. If you have any questions, please feel free to call or text us at 281-487-9333.

Bill Pay

Bill Pay – To make your life a little easier, we offer free online bill pay to our members. Pay all of your bills in one spot, without ever having to leave your couch. [Learn More]

Overdraft Protection

For your peace of mind and to protect your account against possible overdrafts (and to enable you to take advantage of any financial opportunities which may arise) GCEFCU offers overdraft protection. Once you sign up for this service, available funds in your share (savings) account will automatically be transferred to your share draft (checking) account if it should become overdrawn.

Courtesy Pay

If you overdraw your checking account, GCEFCU will automatically approve any bill payments, checks, or ACH transactions up to $250 for regular checking accounts, and up to $750 for advantage checking accounts. This will help you avoid any declined bill payments or return check fees.

Additional Checking Accounts

Money Market – Looking for convenient access to your money while earning a higher dividend than a regular savings account and without being locked into a term?  Then our Money Market account is the perfect answer. [Learn More]

Health Savings Account (HSA) – Offering Peace of Mind for Health care. With the Health Savings Account from Gulf Coast Educators, prepare yourself for future health needs. Convenient and tax-advantaged, HSA accounts help offset high deductible health plans such as TRS ActiveCAre 1-HD. [Learn More]

Rates & Disclosures

Fees assessed to Regular Share-Draft account holders

Overdraft Fee, NSF fee for check or ACH item – $20 per occurrence

Occurrence – An occurrence is defined as anytime your account is taken negative to pay an item or an item is returned due to insufficient funds in your account.

Rates & Disclosures