Go Full Access

Go Full Access Checking

FREE Checking. Zero Hassle.
Tampa Bay Sports Store Event – exclusive offer: GTE’s first-ever Sports Store Event!

Invitation only for NEW qualified members!

How to qualify:

  1. Open a new checking account by Jan 31, 2026
  2. Set up payroll direct deposit ($500+/month) or make 2 debit card purchases with $1,000+ balance

What you get: 

  1. First 50: FREE Lightning Jersey + FREE Bolts Debit Card!
  2. Others: $135.99 Gift Card + FREE Bolts Debit Card!

Use promo code ‘Bolts24’ when opening your account. Ask about our FREE checking account! Limited spots– learn more now!

LEARN MORE

Simple and convenient free checking

Looking for no hassle, simple, and convenient checking? Check out the Full Access checking account!  

No monthly maintenance fees. No minimum balance. Just checking.  

Enjoy the many benefits of our hassle-free and Instantly Easy features such as Zelle®, Same day transfers, Direct Deposit with Early Paycheck, award winning mobile app experience, exclusive offers and so much more!  

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Banking made easy with Go Full Access Checking 

  • Simplify your checking: No monthly maintenance fees and no minimum balance requirements.
  • Access your account anywhere, anytime: 24/7 Online, Mobile, and Phone banking with 30,000 fee-free ATMs nationwide.
  • Make payments and transfer funds with ease: Access to Bill Pay2, Zelle®, same day transfers2, free debit card, and one-click add to your digital wallet.
  • Deposit your way: Seamlessly with Direct Deposit, Mobile Deposit4, external accounts2, or in person.
  • Protection you can count on: Real-time alerts, card controls, $0 fraud liability, online transaction disputes, and advanced transaction research.
  • Peace of mind: All GTE Financial deposits are federally insured by the NCUA5 (National Credit Union Administration).
  • GTE perks: Member discounts, financial education programs, and special offers.
Opening an account is quick, easy, and secure:

Apply online or in person – Tell us who you are by providing some basic information.   

Fund your account – Make your first deposit by cash, check, debit card, or automated clearing house (ACH).  

Start transacting – Swipe, tap, and go! Begin using your debit card, mobile app, and online banking right away!  

Design Your Own Card

Bring your favorite memory with you wherever you go when you design your own card! With My Card Creation you can design the face of your debit card.

VIEW ADDITIONAL BENEFITS

Features & Benefits

  • No monthly maintenance fees  
  • No minimum balance fees 
  • Send Money with Zelle®
  • Free Direct Deposit 
  • Overdraft Protection1
  • Instant issued Debit cards virtual and in-person 
  • Access to over 30,000 fee-free ATMs nationwide  
  • Transfer funds to any account, same day3  
  • 24/7 online, mobile, and phone banking  
  • Transaction alerts, travel alerts, and card controls  
  • Mobile Deposit4  
  • Free Bill Pay2  
  • Design your own card
  • Eligibility for Future Change Round Up account
  • Ask about Early Paycheck

1: Overdraft Protection – Please refer to the Member Account Disclosures and Agreement 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.  

2: Bill Pay – There is no monthly service fee for Bill Pay. Account fees may apply to your account that you make Bill Pay payments from, please refer to the Member Schedule of Current Charges for when a fee may be assessed. Terms and conditions apply.  

3: Same Day/External Transfers – External and same day transfers are subject to terms and conditions. Transfer limits apply. Eligibility is determined by account history. Please refer to Member Schedule of Current Charges for when a fee may be assessed. 

4: Mobile Deposit – Subject to GTE Financial Remote Deposit Capture terms and conditions. Deposits may not be available for immediate withdrawal and daily limits apply. Eligibility is determined by account history.  

5: Federally Insured by NCUA up to $250,000. Additional amounts available by adding joints and beneficiaries. Share Insurance Estimator can show you how adding ownership categories can increase your coverage.