Minimum Opening Deposit
Account may be opened with a deposit of any amount.
You must be a full-time student 22 or younger to open this account.
Monthly Service Fee
Debit Cards & Using ATMs
Debit Card with Rewards
This account includes Ampre Rewards.This program enables you to earn points for gifts and other items when opting for credit when making purchases with your debit card.
Surcharge-Free ATM Access
Surcharge-free ATM access is available at all Co-Op and Presto Network ATM locations.
Non-affiliated ATM Usage Fee
There is a $3.00 fee each time you use a non-affiliated ATM. 1 fee per month is waived
Withdrawals from Co-Op Network and Presto ATMs are free and you will not be charged a surcharge by the ATM.
International ATM Usage Fee
There is a $3.00 fee each time you use a ATM in another country. In addition, there is a fee calculated as 0.80%. of the total amount withdrawn.
Electronic & Telephone Banking
Online Bill Pay
Mobile & Text Banking
This institution supports a mobile browser based website to view account balances, view recent activity, transfer funds, pay bills, and remotely deposit checks into your bank account using the Deposit2Go app.
Deposit Checks with Mobile Phone
This mobile deposit application is available for iPhone and Android devices.
$0.00 thru Zelle
This Email Alert feature enables you to receive:- Warnings when your balance falls below a certain threshold;- Notice of deposits or withdrawals over a certain threshold;- An email to let you know there's a secure message for you in Online Banking;- Priority Online Account notifications (i.e., change of password).
Included with Online Banking
Automated Phone Banking
Checks & Statements
Unlimited Check Writing
Free or Discounted Checks
Monthly Paper Statements
There is a $6.00 monthly fee to receive statements by mail.
Check Images with Statements
Online Check Images
Images of canceled checks can be viewed online for 12 months.
Overdrawing the Account
Free Account Overdraft
Account holders get one debit card overdraft per month before getting charged a fee.
Negative Balance Fee
There is a $6.00 negative balance fee after 6 days of negative balance
Returned Item Fee
The Insufficient Funds Fee is $35.00 per overdraft. 1 fee reimbursed per month.
This checking account has 2 options for Overdraft Protection.From a linked Savings Account:- Transfer fee of $8.00. The transfer fee is charged per day; fee is waived if a Member Advantage Program member- Funds are transferred to bring the account balance to $0.00.From a linked Overdraft Line of Credit:- No transfer fee;- Funds are transferred to bring the account balance to $0.00.
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.