Checking Account Options
GHS CHECKING ACCOUNTS
Open A Checking Account That Puts Your Convenience First.
Bank on your terms with a GHS checking account. From our Absolutely Free Checking with 0 minimum balance required to our high-yield checking option, we will help you find the account that fits your needs.
CHOOSE YOUR GHS CHECKING ACCOUNT!
Whichever GHS Checking Account option you choose, you’ll enjoy the perks of saying ‘YES’ to GHS:
GHS Visa Debit Card
Online and mobile banking
Mobile check deposit
Voice banking
Bill pay
Branches in Binghamton, NY, and Norwich, NY
Free ATMs worldwide
FREE instant issue debit card
Checking Account Options
Absolutely Free CHECKING
The Absolutely Free Checking account is GHS’s standard checking account option with perks like a $0 minimum balance, NO monthly or per-check fees, loan discounts for direct payment from your checking account, and so much more! With access to ATMs worldwide and online/mobile banking.
50+ FREE CHECKING
Fifty or older? Your 50+ FREE Checking Account will always make money. You’ll earn 0.10% dividends while enjoying all the other money-saving benefits of Absolutely FREE Checking. Plus, you’ll receive free personalized checks with a “Preferred Member” insignia.
VIP FREE CHECKING
If you have direct deposit of payroll, Social Security, or a recurring government check, or make automatic payments, with VIP FREE Checking, you can easily earn money on all your money. Get all the perks of a GHS checking account while earning a dividend rate of 0.10% APY*!
PREMIER YIELD CHECKING
Along with all the perks of Absolutely FREE Checking, our Premier Yield Checking account delivers an optimum 0.10% yield on your growing checking balance of $1,500** or more. You’ll also receive free personalized checks with a “Preferred Member” insignia.
**No monthly service fee if daily balance is $1,500. $6 monthly fee if minimum daily balance drops below $1,500.
Business Checking
GHS offers two Business Checking Accounts that focus on eliminating high fees and providing you with flexible banking. Explore your options and get started with GHS Business Services.
Learn about Business CheckingEarn more on high balances
If you carry a high daily balance averaging $2,500 or more, you can take advantage of competitive monthly dividends when you open a money market account. Our money market accounts let you maximize your earnings while maintaining easy access to your funds.
| Account Type | Min. Avg. Daily Balance | Dividend Rate | APY** |
|---|---|---|---|
| VIP Free Checking | $0 | ||
| 50+ Free Checking | $0 | ||
| Premier Yield Checking | $0 − $1,499.99 | ||
| Premier Yield Checking | $1,500 | ||
| Premier Yield Business Checking | $0 − $1,499.99 | ||
| Premier Yield Business Checking | $1,500 |
Checking Accounts FAQ
How do I open a checking account?
When opening a checking account, GHS will need to verify your name, date of birth, address, ID number, and Social Security number. You can come into our GHS branch or even open one online and start banking as soon as possible.
How can I move my money from a different financial institution to GHS Federal Credit Union?
Once you have an account with both businesses, transferring money is simple. You can either do it online, or you can stop in one of our GHS locations, and they can assist you in doing so.
How do I sign-up for e-Statements?
You can only sign up for e-Statements online through your account. Learn more about e-Statements.
*Kasasa Disclaimer: Kasasa Qualification Information: Account transactions and activities may take one or more days to post and settle to the account and all must do so during the Monthly Qualification Cycle in order to qualify for the account’s rewards. The following activities do not count toward earning account rewards: ATM-processed transactions, transfers between accounts, debit card purchases processed by merchants and received by our credit union as ATM transactions, non-retail payment transactions and purchases made with debit or credit cards not issued by our credit union. Transactions bundled together by merchants and received by our institution as a single transaction count as a single transaction for the purpose of earning account rewards. “Monthly Qualification Cycle” means a period beginning one (1) day prior to the first banking day of the current statement cycle through one (1) day prior to the last banking day of the current statement cycle. Call (800) 732-4447 to speak with one of our branch service representatives for specific Monthly Qualification Cycle dates. Reward Information: When Kasasa Cash Back qualifications are met during a Monthly Qualification Cycle, you will receive 4% cash back on up to a total of $200 debit card purchases that post and settle to the account during that cycle period. A maximum of $8.00 cash back may be earned per Monthly Qualification Cycle. You will receive reimbursements up to an aggregate total of $20 for nationwide ATM withdrawal fees incurred within your Kasasa Cash Back account during that Monthly Qualification Cycle. We reimburse ATM withdrawal fees based on estimates when the withdrawal information we receive does not identify the ATM withdrawal fee. If you have not received an appropriate reimbursement, we will adjust the reimbursement amount if we receive the transaction receipt within sixty (60) calendar days of the withdrawal transaction. When your Kasasa Cash Back account qualifications are not met, no cash back payments are made and ATM withdrawal fees are not refunded.