private bank checking

Private Bank Checking

A holistic approach to offer you tailored solutions for your wealth management

Exclusive checking for you

GTE Private Banking delivers a relationship-first experience from one of the nation’s largest and most trusted financial institutions since 1935. Our team takes a holistic approach to offer tailored solutions for your wealth management, including checking6.

Assets over $500,000? It all starts with a conversation to learn more about you.

Contact a Private Banker today!
gteprivatebank@gtefinancial.org | 813.414.6125

Premier checking benefits

  • Dividend earnings: Earn a 5.12% APY on balances up to $2,000, and 0.30% APY on all balances over $2,000, when you meet monthly requirements. Simply enroll in eStatements, deposit $500 or more monthly into your account, and complete 15 transactions* (debit or credit).
  • Personal identity protection: Credit file monitoring7, credit reporting8, identity theft expense reimbursement9 and resolution services.
  • Cell phone protection: Helps reimburse the cost of replacing or repairing your device. Simply pay your bill using your GTE card.
  • Plus enjoy Debit Advantage® as well as prescription drug and vision savings.
  • Complimentary services: Checks, cashier’s checks, waived wire fees and no overdraft protection fees2.
  • Private & Business: Business account fees will be waived for dual relationships10.

Banking made easy

  • Access your account anywhere, anytime: 24/7 online, mobile, and phone banking with 30,000 fee-free ATMs nationwide.
  • Pay and transfer with ease: Access to Zelle®, Bill Pay5, and same day transfers3, plus a Free debit card you can one-tap add to your digital wallet.
  • Deposit your way: Direct Deposit set-up in a few clicks, Mobile Deposit4, external account3, or in person.
  • Need a replacement card? No waiting 7-10 business days. Get a new card in the App for immediate use with the same card number you’ll receive in the mail.
  • Instant issue cards are also available at all GTE locations.
  • Protection you can count on: Instant on/off card feature, real-time alerts, card controls, $0 fraud liability, online transaction disputes, and advanced transaction research.

Our dedicated, local Tampa Bay team

Private Banking provides individualized service to meet your financial needs based on a deep understanding of your complete portfolio. We provide comprehensive financial planning with exclusive access to GTE Investment Group11. We can also coordinate with your outside professionals such as CPAs, Attorneys, etc.

Free debit card!

Upgrade to the Bolts Debit or Design Your Own Card.

Features & Benefits

Rates

As High As
5.12% APY*
(0.30% APY on balances over $2,000)
Private Bank Checking

*Annual Percentage Yield (APY) accurate as of the last dividend declaration date. Any fees could reduce earnings on this account. 

1 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.

2 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.

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 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.*The descriptions above are summaries only. Please refer to the actual guide to benefits for complete details of coverage and exclusions. Coverage is provided through the company listed in the guide to benefits.

6 Members who opted into or accepted the invitation to become a Private Bank member prior to 03/31/2026, must maintain a total household asset relationship of $250,000 with GTE Financial, GTE Investment Group, or GTE Business Services. Members who opened an account after 04/01/2026 must maintain a total household asset relationship of $500,000 with GTE Financial, GTE Investment Group, or GTE Business Services. Loans or revolving lines of credit do not count towards this minimum.

7 Credit file monitoring from Experian and TransUnion will take several days to begin following activation.

8 Registration/Activation required.

9 This is not insurance. Insurance products are not insured by NCUA or any Federal Agency; not a deposit of or guaranteed by the credit union or credit union affiliate. Visit Online Banking for full details and to manage your GTE Secure benefits.

10 Business Checking monthly fee waived by having the following GTE Financial relationship; A member of GTE Private Banking and a GTE Business Banking Checking account.

11 Securities and insurance products are offered through Cetera Investment Services LLC, member FINRA/SIPC. Advisory services are offered through Cetera Investment Advisors LLC. Neither firm is affiliated with the financial institution where investment services are offered. Advisory services are only offered by Investment Adviser Representatives. 711 E Henderson Ave Tampa, FL 33602; 888.972.5257; Investments are: *Not FDIC/NCUSIF insured *May lose value *Not financial institution guaranteed *Not a deposit *Not insured by any federal government agency.

12 While accounts can be opened with $0.00, certain funding methods, like debit cards, may require a higher minimum amount.