Effective Date: 1/21/20241
Per Item Fee (Checks, Teller Cashed Items, and Another Chance Items)
For 1st 50 items per statement period
For items in excess of 50 per statement period
Non-Sufficient Funds (NSF) Fee
NSF Fee Free Day3
NSF Fee Free Day3 Exhausted
Zard Checking Account
CashPoints® Global Account
Share (Savings) Account, FAT CAT® Share, Zard Share, Money Market Share Accounts
IRA and SEP Accounts
Card & ATM Fees
ATM Fees (For Using GKCU-Issued Debit Cards)
Debit Card Fees (Visa and CashPoints Debit Cards)
Credit Card Fees12
Fees For Miscellaneous Services
(Services Provided to Members Only)
1 Fees subject to change daily at the discretion of the Board of Directors.
2 Each member (personal and non-profit entity) must pay a one-time $5 membership fee. Membership fee is charged when member’s first Share account is opened (FAT CAT and Zard Share accounts are exempt from this fee). Members opening a first Share account jointly must each pay a one-time $5 membership fee. This $5 fee amount is paid to the Credit Union and is not deposited to the account.
3 NSF Fee Free Day is the first day of a calendar year in which NSF Fees would otherwise be incurred.
4 See our Account Rules and Regulations and our Overdraft Transfer Service Terms and Conditions for more information.
5 No fee if the account has a minimum balance of $5 on the statement date.
6 No fee if the account maintains a minimum balance of $250.
7 No fee if the account has a minimum balance of $25 on the statement date.
8 When you use a non-CashPoints ATM, the owner/operator of the ATM or any network used may also charge you fees.
9 When you use a non-CashPoints ATM, the ATM owner/operator may charge a fee for a balance inquiry even if you do not complete a transaction.
10 FAT CAT and Zard cards are exempt from this fee.
11 Visa applies a fee to any international transaction. The fee is 1% of the U.S. dollar amount of the international transaction. An international transaction includes (a) any transaction made in a foreign country, and (b) any transaction made or processed outside of the United States. For more information regarding international debit card transactions, see the Supplemental Terms and Conditions for GKCU Visa Debit, CashPoints, and CashPoints Global Cards, which is a supplement to the Account Rules and Regulations. For more information regarding international credit card transactions, see our Credit Cardholder Agreement, which you can access on our Account Disclosures page.
12 Annual Percentage Rate (APR) for purchases, balance transfers, and cash advances as of 1/21/2024 is 12.75%. The rate is variable and subject to change. Interest begins to accrue on purchases and balance transfers after the expiration of the grace period if the entire balance is not paid in full. Interest begins to accrue on cash advances at the time of transfer. See our Credit Cardholder Agreement, which you can access on our Account Disclosures page.
13 Interest begins to accrue on advanced amount immediately.
14 For each financial transaction at a CashPoints, Visa or PLUS ATM.
15 Fee waived for any check in the amount of $500 or more.