Opening Your Free Checking Account
To get started with opening your free checking account, check out the options below to see which one best fits your needs.
If you are already an established member at Gulf Coast Educators FCU, you can easily open your new free checking account online. Simply click the Get Started button and fill out the form. After you have submitted the form, one of our online account representatives will get your account opened.
Not A Member Yet
If you are not already a GCEFCU member, you will first need to open up a savings account to establish your membership, then you can open your free checking account. You can learn about all of the perks of membership at Gulf Coast Educators,our membership qualifications, and open your account online by clicking the Learn More button.
- Debit Card
- Direct Deposit
- Remote Deposits
- Fee Free ATMs
- Shared Branching
- Electronic Transfers
- Overdraft Protection
Use your 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]
Choose Your Card
At Gulf Coast Educators, we give you many options when it comes to picking out your debit card. You can choose from one of our four standard designs below, or your can opt to create your own card through our My Card Create website.
Now members can make deposits of checks using the credit union’s new mobile app. Click here for complete details and download the app:
Fee Free ATMs
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.
Shared branches allow our members to conduct certain types of transactions at participating credit union locations throughout the US. With over 5,000 locations, you’re never far from your credit union accounts. There are limits to the types of transactions you can do at a shared branch, so please call ahead to confirm.
Shared Branching Notice
Effective February 1, 2020, there will be a $3.00 fee for all shared branching transactions, excluding cash deposits. To avoid this fee, you may use any of the other accessible options mentioned below, such as Remote Deposit Capture (RDC), Allpoint ATMs, or online banking. If you have any questions, please do not hesitate to call or text the credit union at 281-487-9333.
Online Banking – You can access your account online at anytime using a desktop computer or via our mobile app. With online banking, you can check your account balance, deposit checks, bay bills, and more.
Account Aggregation – Tired of withdrawing money from one credit union and having to drive to the other to make a deposit? You can do that online now. Click here to learn how to easily transfer money online to your other bank.
Download our Mobile App
If you haven’t done so already, download the GCEFCU mobile app to access your account anytime, anywhere. You can download our mobile app for free from App Store or Google Play for your mobile device.
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.
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.
Fees assessed to Regular Share-Draft account holders
Overdraft Fee, NSF fee for check or ACH item – within a 12 month period from January 1st to December 31st.
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. VISA debit transactions count as occurrences but are subject to different fees (if applicable) than the tiered structure below.
|Tier 1 – first and second occurrence||Per item of ACH, or check item paid or returned||$10.00 each|
|Tier 2 – third and fourth occurrence||Per item of ACH, or check item paid or returned||$20.00 each|
|Tier 3 – fifth occurrence and beyond||Per item of ACH, or check item paid or returned||$30.00 each|