checking services

Checking Services

Checking Services Tailored to You

GTE checking accounts offer you fantastic services including the ability to earn GTE Go Points rewards for enrolling in financial features, an option to receive your paycheck early, Overdraft Protection or Courtesy Pay, account balance alerts, and online check ordering.

Direct Deposit

Direct Deposit is the electronic transfer of your paycheck, Social Security benefit, pension, annuity check, or other payment into your account. Direct Deposit increases the safety and convenience of processing your check. You no longer need to worry about your paper check being lost or stolen and having to wait in line to cash it. Your entire paycheck can be distributed in any combination to your accounts each pay period. You can even earn Go Points for enrolling!

Looking for the routing and account number? GTE Financial's routing number is 263182794, the account number is unique to your relationship with GTE and can be found by logging into Online Banking.

Early Paycheck

Want to receive your paycheck a day early? For only $3 per deposit, you can! You work hard for your money, and who doesn't like to receive it faster? Well, with GTE's Early Paycheck option, now you can have access to your funds a day quicker. The deposit will only be posted early if your employer has transferred the money on-time.

Have a checking and/or savings account with GTE. You must also have your Direct Deposit tied to one of the accounts.

Then, opt-in to receiving the paycheck early in Online Banking for only $3 per paycheck.

How to Enroll

Step 1: Log in to Online Banking

Step 2: Choose which accounts you would like to opt-in to Early Paycheck for. Please note that you must have Direct Deposit going into the account you enroll in.

Overdraft Protection

In the event you have non-sufficient funds in your checking account when you go to make a purchase or complete a transaction, you can have available funds automatically transferred from another GTE account like a Savings, Special Savings, Money Market account, or even a Personal Line of Credit to cover the costs. 

To add one of your accounts as overdraft protection:

  • Complete the ‘Overdraft Protection’ form found in GTE Online Banking
  • Call us at 813.871.2690 or 888.871.2690
  • Visit a Community Financial Center

Account Balance Alert

When your balance is getting low, you may want to avoid an overdraft. Or, maybe you want an alert when you’ve reached a certain savings goal! You can set up a custom Account Balance Notification within Online Banking. 

This is a free service that will help you have more control over your money.

Log in to Online Banking

Under ‘Alerts and Subscriptions’ in the main navigation, click on ‘Notifications’

Then, click ‘Add New Account Balance Notification’ and then follow the requested steps.

Courtesy Pay

Courtesy Pay allows you to overdraw your checking account, to a limit, if funds are not available when a transaction posts*. For example, if your car breaks down, and you don’t have enough money in your checking to pay for it, Courtesy Pay may be helpful. Instead of being declined and stuck on the side of the road, Courtesy Pay will allow you to pay for the repairs, even if you don't have the funds in your account to cover the costs. 

If you are enrolled in Courtesy Pay, GTE will review the cost of the transaction and if approved, in essence, will front those costs, up to your approved limit, for a small fee of $35.00 per covered item.

The full amount of the overdraft balance is due immediately, or at the latest, within 14 days from the date of the occurrence.

To have this benefit applied to your ATM/Debit Card transactions, you must be opted-in. Every member is automatically enrolled for Check/ACH transactions.

  • Opt-in by logging in to GTE Online Banking
  • Call us at 813.871.2690 or 888.871.2690
  • Visit a Community Financial Center
  • Complete the Courtesy Pay Form and reply by mail

All GTE checking accounts are eligible for Courtesy Pay except for the Go Further account.

*To have this benefit applied to your Debit card transactions, you must enroll. This program is discretionary and opting-in does not guarantee payment. Limits are based on factors such as account activity and history and are subject to change without notice. Health Savings Accounts (HSA) are not eligible for Courtesy Pay. Business Accounts are automatically enrolled in Courtesy Pay for debit card and ATM transactions. To opt-out please call us or visit any GTE Financial location. The full amount of the overdraft balance plus related fees will be due immediately, but in no event more than 20 days after the date of the occurrence.