Checking Services

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.

Make payday effortless with Direct Deposit! With Direct Deposit your paycheck goes straight into your account – securely and on time, every time. No more worrying about lost or stolen paper checks, spending time driving to a location and standing in line to cash it or waiting for checks to clear. You get fast and secure access to your money, every payday. You can even automatically distribute your paycheck in any combination of checking, savings, money market, and/or health savings accounts as you see fit, just sit it and forget.

Types of deposits that can be electronically transferred with Direct Deposit:

• Payroll
• Government benefits
• Tax refunds
• Pension
• Investment income
• Child support payments

If your depositor isn’t listed, reach out and check if they offer Direct Deposit. GTE can accept all transfers made with Direct Deposit.

Enrolling is now quick and seamless! Our automated switch kit makes set up effortless with just a few clicks. No forms, no hassle – all convenience. Simply login to Online Banking and select ‘Direct Deposit’.

No more waiting until payday! Early Paycheck lets you access your Direct Deposit funds up to 1 day sooner for only $3 per deposit! Whether it’s rent, groceries, or weekend plans, your money is there when you need it.

Ready to get paid early? Login to Online Banking, set up Direct Deposit, and enroll in Early Paycheck… it’s that simple!

Overdraft Protection is a convenient way to move your money to cover occasional overdrafts. Let’s say you are using your Debit Card to pay for gas, but you didn’t realize your checking account was running low. With Overdraft Protection, instead of being declined, available money in an eligible linked account will automatically transfer to your checking account. Now that’s Instantly Easy! Simply sign up for this service and select the account(s) you’d like to use.

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

Please refer to the Account Disclosure and Member Schedule of Current Charges for a more thorough explanation of when an overdraft occurs and when a fee may be assessed for overdrawing your account. GTE Financial will pay overdrafts at our discretion; there is no guarantee of payment. If an overdraft is not authorized, your transaction will be denied and may be subject to a Non-Sufficient Funds Fee, which will be assessed to the account that goes negative. Federally Insured by NCUA.

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.

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

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

Life happens. We understand that members may sometimes need access to funds beyond what’s currently available in their account. With your GTE checking, eligible members are automatically enrolled in Courtesy Pay for check and Automated Clearing House (ACH) transactions. Courtesy Pay essentially allows you to overdraw your checking account, up to an approved amount. This service is totally optional and is not a loan; it is a benefit meant to be used as a safeguard for rare occasions.

For example, in a medical emergency, you may not have enough money in your checking to cover payment. With Courtesy Pay, GTE will review and may pay your transaction up to an approved limit, for a small fee of $35.00 per covered transaction. 

The full amount of the overdraft balance, plus related fees, will be due immediately and cannot exceed 14 days after the date of the occurrence. Members can also sign up to have this benefit applied to ATM and Debit Card transactions. There is no fee to enroll, and you can opt-out at any time. We also recommend setting up Overdraft Protection to enable automatic transfers from additional accounts to your checking as a first safety net to help avoid transaction declines or unnecessary charges. 

To enroll in Courtesy Pay for ATM and Debit Card Transactions, the member must*:

• Complete the ‘Overdraft Options’ form found in GTE Online Banking
• Mail-in the Courtesy Pay Form

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

All GTE checking accounts are eligible for Courtesy Pay except for the Go Further account. 
Please refer to the Account Disclosure and Member Schedule of Current Charges for a more thorough explanation of when an overdraft occurs and when a fee may be assessed for overdrawing your account. The full amount of the overdraft balance, plus related fees, will be due immediately and cannot be overdrawn more than 5 days after the date of the occurrence to avoid a Negative Balance Fee. Negative balances that exceed 14 days may lose access to Courtesy Pay and be subject to charge-off and collection. GTE Financial will pay overdrafts at our discretion; there is no guarantee of payment. If an overdraft is not authorized, your transaction will be denied and subject to applicable fees. Federally Insured by NCUA.