Advantage Checking

Advantage Checking

The Advantage Checking account offers the peace of mind of knowing you are covered in the event you need it through courtesy pay.

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Regular Checking

Regular Checking

Our regular checking account saves you money because there are no minimum balance requirements or monthly service charges.

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Money Market

Student Checking

Our Student Checking Account is just for members 13 – 17 years old. With your own checking account and debit card, you can start spending your money, your way.

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To Compliment Your Checking Account

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]

Remote Deposits

Now members can make deposits of checks using the credit union’s new mobile app. Click here for complete details and download the app:

iphone_link  android

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.

A2A & P2P Transfers

DPX Pay – Use our DPX Pay transfer service to send or request funds from family, friends and coworkers. DPX Pay is great for paying babysitters, settling up a dinner bill or any other reason you might owe someone some money and you don’t have cash or a checkbook handy. [Learn More]

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.

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]