Checking FAQs

General

One of the requirements for my Go Further, Go Full Access, or Go Premium accounts says that I must have $500 in aggregate deposits. What counts as a “deposit”?

In order for you to take advantage of full benefits, you’ll want to deposit at least $500 total in your account within the month. These deposits could come from:

  • A direct deposit (i.e. your employer puts your check directly into your account)
  • Depositing checks or cash at an ATM or ITM
  • A money wire or ACH transfer of cash into the account
How do I order checks?

Login to Online Banking. From there, click on your Checking account number.  After the page loads, on the left side you will see the option "+ORDER CHECKS".

Go Premium Checking

What benefits are included with GTE Secure?

Your Go Premium Checking with GTE Secure keeps our member’s financial safety top of mind. Below is a list of the great features of GTE Secure.

  • With just 1 Go Premium Account – these benefits apply to your immediate family (up to 4 individuals)
  • Simply register in GTE Online Banking to Activate
    • Credit File Monitoring - daily credit file monitoring and automated alerts of key changes to your Experian®, Equifax® and TransUnion® credit reports
    • 3-in-1 Credit Report - request new report every 90 days or upon receipt of a credit alert
    • Total Identity Monitoring - monitoring of over 1,000 databases including credit, Social Security, public records, real property records, telephone and many others
    • Credit Score - receive new single bureau credit score3 with every new credit report
    • Debit and Credit Card Registration
    • Online Identity Theft News Center and Valuable Phone and Web Resources
  • Fully Managed Identity Theft Resolution Services - access to a fraud specialist assigned to manage your case who will work with you until your credit and identity are restored
  • Identity Theft Recovery Case Plan - to inform you of the recovery process
  • Up to $10,000 Identity Theft Expense Reimbursement Coverag
In addition to GTE Secure, what other benefits does my Go Premium Checking offer me?

Get all of these incredible benefits, and share them with your whole family. One account covers up to four people in your immediate family.

    • Cell Phone Protection – Stolen or broken phone? For a $50 deductible, receive up to $300 of coverage per phone, up to 3 phones per year. Simply pay your cell phone bill with your Go Premium Account to receive this benefit. You can easily set-up payment with GTE Bill Pay!
    • Your FREE EMV-equipped Debit Card comes with Go Points and Ampre built in! Learn all the ways you can earn points fast to redeem for great stuff like cash back, gift cards, travel and merchandise. Just 3,000 points = $25!
    • Debit Advantage – Pay with your GTE Debit Card and receive buyer’s protection and extended warranty, covering items for 90 days from the date of purchase against accidental breakage, fire or theft.
    • A host of Health Savings Benefits: Vision, Prescription and Dental Services. Click for savings website!
    • Need additional account(s)? As primary on 1 Go Premium Account, all your Go Full Access Accounts that you are primary on will be free automatically, without having to meet monthly qualifications.
    • Direct Deposit
    • Member Referral Bonus (Earn 3,000 Go Points!)
    • Plus, you have access to all the convenience services you love!
      • 30,000 FREE ATMs
      • 24/7 Virtual Banking (Online, Mobile or Telephone)
      • Remote Deposit – with the GTE Mobile App
      • Alerts

I’m ready to be reimbursed of my $4.95 monthly fee with my Go Points. How do I do this?

1. Make sure you are signed up for Go Points! Simply log into Online Banking at www.gteonline.org and click on the Go Points banner. After a simple email verification, you’ll be set up and ready to go.

2. Now that you’re set up with Go Points, log in! Locate “Redeem Points” in the main navigation. Select Go Points Offers from the dropdown menu.

3. You will see an option to select “Go Full Access Fee Reimbursement”. Follow the prompts, and your reimbursement will be deposited into the account of your choosing.

Does the triple-bureau credit reporting and the Equifax credit score benefit apply to all immediate family members?

Yes! Simply request your 3-in-1 report. This is available to you and your eligible family members once every 90 days, or upon receipt of a credit alert. Every new report includes your Equifax credit score.

Note: Eligible family includes spouse, persons qualifying as domestic partner, and children under 25 years of age and parent(s) of the account holder who are residents of the same household. (This is not limited to 4 family members)

 

Go Full Access Checking

I love my Go Full Access checking, but don’t love the fee. How can I get this waived each month?

By hitting simple qualifications each month, this account comes with no monthly cost!

You have two ways to waive:

  • Use Go Points: Waive the monthly fee with 750 Go Points that you have earned from simple day-to-day activities with GTE.
  • Hit these simple qualifications: Sign up for eStatements, AND A. deposit an aggregate of $500 in deposits per month or B. Make a combination of 15 monthly signature debit and/or credit card transactions.
I’m ready to be reimbursed of my $4.95 monthly fee with my Go Points. How do I do this?

1. Make sure you are signed up for Go Points! Simply log into Online Banking at www.gteonline.org and click on the Go Points banner. After a simple email verification, you’ll be set up and ready to go.
2. Now that you’re set up with Go Points, log in! Locate “Redeem Points” in the main navigation. Select Go Points Offers from the dropdown menu.
3. You will see an option to select “Go Full Access Fee Reimbursement”. Follow the prompts, and your reimbursement will be deposited into the account of your choosing.

Go Student Checking

What are the benefits of a Student Checking account vs. Go Full Access Checking?
    1. The Go Student Checking accounts are built specifically with the needs of our 12 to 24 year-old members in mind!
    2. The Go Student Checking account is absolutely FREE! There is no monthly cost.
    3. We know students are still learning how to manage their money! Sign-up for eStatements and get 2 big benefits:
      • 1 waived Non-Sufficient Funds fee per month. If you accidently spend more than you have, we’ll waive the $ 35 charge for over-drawing your account. Make sure to sign-up for Account Balance alerts and use our FREE virtual banking services to check your money status 24/7.
      • 1 waived foreign GTE ATM fee per month.

Go Further Checking

Why was the Go Further checking account recommended for me?

GTE wants to provide the best account fit for everyone! If the Go Further account is recommended to a prospective member, it is possible that the person has been put on the ChexSystems register. While other financial institutions may turn the person away, GTE wants to provide a second-chance checking account. 

When can I switch to another account?

GTE wants to work with our members to set them on the right track! Your account comes with an automatic Annual Upgrade Review that may allow you to upgrade to our Go Full Access or Go Premium accounts. If we can get you into an enhanced account, we will! In order to qualify for an upgrade, here is some general criteria:

    • Have no more than 2 Non-Sufficient Funds fees per year.
    • Ensure your account is not overdrawn more than 3 days per year.
    • Have no returned checks
    • Have no charge-offs in the last 5 years.
Why is there a fee?

While there is a $9.95/month fee for this account type, other banks typically charge much more. Another amazing feature you can even have the fee waived if you meet these two criteria!

  • $500 in aggregate deposits per month
  • Combination of 15 signature debit and/or credit card transactions per month