"U22 Checking" from GTE Federal Credit Union

The Basics

Minimum Opening Deposit
 
$0.00
Account may be opened with a deposit of any amount.
Account Restrictions
 
Students
You must be a full-time student 22 or younger to open this account.
Monthly Service Fee $0.00

Debit Cards & Using ATMs

CU Rewards
 
$0.00/yr
This account includes a 'CU Rewards' enables you to earn points for gifts and other items.
Debit PIN Purchase Fee
 
$0.25
There is a $0.25 fee each time you make a purchase with your debit card by using your PIN.
Non-affiliated ATM Usage Fee
 
$1.50/per use
There is a $1.50 fee each time you use a non-affiliated ATM. Withdrawals from Co-Op Network ATM or Presto ATMs are $0.50.
International ATM Usage Fee
 
$1.50/per use
There is a $1.50 fee each time you use a ATM in another country. Additional 1% conversion charge on all foreign transactions.

Electronic & Telephone Banking

Online Banking
 
Free
In addition to the standard online banking features, this service includes "Money Tracker," a personal finance tools for budgeting and planning.
Activity Download
 
Included with online banking
You can download 60 days of transaction history in the following formats:
- QuickBooks 2007 and above;
- MS Money for 2007 and above.
Online Billpay Free
Mobile Banking
 
Free
This institution supports a mobile-browser website to view account balances, view recent activity, transfer funds, pay bills.
Automated Phone Banking Free

Checks & Statements

Unlimited Check Writing Yes
Free or Discounted Checks
 
Yes
Free first order of custom checks.
Monthly Paper Statements
 
$1.00/month
There is a $1.00 monthly fee to receive statements by mail.
Check Images with Statements Not Included
Electronic Statements Yes
Online Check Images
 
Yes
Images of canceled checks can be viewed online for 90 days.

Overdrawing the Account

Free Account Overdraft
 
Yes
You can overdraw this account once a month before being assessed an insufficient funds fee.
Insufficient Funds Fee
 
$29.00/per item
The Insufficient Funds Fee is $29.00 per overdraft.
Overdraft Protection
 
Available
This checking account has 2 options for Overdraft Protection.
From a linked Savings Account:
- Transfer fee of $2.00. The transfer fee is charged per day;
- Funds are transferred to bring the account balance to $0.00.
From a linked Overdraft Line of Credit:
- Transfer fee of $2.00. The transfer fee is charged per day;
- Funds are transferred to bring the account balance to $0.00.

Savings and Money Market Accounts

Share Savings
 
Fee Waived
'Share Savings' requires $5.00 to open and $100.00 to earn interest.
Current APY Information:
- 0.10% at minimum balance to earn interest;
- 0.10% at minimum balance to avoid fees;
- 0.10% at $25,000.00
Bonus +0.05% APY for all Partner Checking Account holders.
The account has a monthly service fee of $5.00. This account is required for all GTE FCU members. This fee can be waived if you:
- Maintain a minimum balance of $500.00;
- Qualify as a Student;
- Qualify as a Senior.
Money Market
 
No Fee
'Money Market' requires $100.00 to open and $100.00 to earn interest.
Current APY Information:
- 0.15% at minimum balance to earn interest;
- 0.00% at minimum balance to avoid fees;
- 0.15% at $25,000.00
This account has no minimum balance requirement.
Money Market Plus
 
$10.00/month
'Money Market Plus' requires $500.00 to open and $0.00 to earn interest.
Current APY Information:
- 0.15% at minimum balance to earn interest;
- 0.15% at minimum balance to avoid fees;
- 0.15% at $25,000.00
The account has a monthly service fee of $10.00. This fee can be waived if you maintain a minimum balance of $10,000.00.

How To Reach GTE Federal Credit Union

Go To Website: GTE Federal Credit Union
Call: 888-871-2690

GTE Federal Credit Union Locations in Bradenton

 

Branches

About GTE Federal Credit Union

From GTE Federal Credit Union's website: "Founded in 1935 during the Great Depression, GTE Federal Credit Union is one of the largest locally owned and operated financial institutions in Tampa Bay [...]" They have 28 branches in and around Tampa Bay, offering deposit, loans, investment, and insurance services.

 

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