Checking & Debit Card

Checking Accounts

No Out-Of-Network ATM Fee

Tired of a getting fee’d twice for using an ATM? No fee at GMFCU. Use an ATM not in our network, no problem. We will not charge you a fee for using an out-of-network ATM.

No unexpected fees

You won’t pay any monthly service fees or minimum balance fees. At GMFCU we want your money to go towards things you need, not fees. Standard fees such as Non-Sufficient Funds do apply, but our fee is much lower than many banks. You can see our short and simple fee schedule for a complete list of fees.

Checking Features

  • No monthly service fees
  • No minimum balance
  • Free GMFCU checks
  • Free Mastercard® debit card
  • Over 30,000 surcharge-free ATM’s
  • Easy to use online/mobile banking
  • Online Bill Pay
  • Remote Deposit App
  • Courtesy Pay and Overdraft Protection

Reorder Checks

Reorder Deluxe Personal Checks

Roots Checking

  • No monthly service fees
  • No minimum balance
  • Free GMFCU checks
  • Free Visa® debit card
  • Online & Mobile Banking
  • Remote Deposit Capture
  • Courtesy Pay & Overdraft Protection
  • Nationwide free ATMs*
  • 0.30% APY* on your balance

Sky Checking

  • No monthly service fees
  • No minimum balance
  • Free GMFCU checks
  • Free Visa® debit card
  • Online & Mobile Banking
  • Remote Deposit Capture
  • Courtesy Pay & Overdraft Protection
  • Earn 1% APY* on a balance up to $25,000


Use your Free Mastercard® Debit Card to pay anywhere Visa® is accepted, or use it in our ATM network. You are also protected against fraudulent activity on your Mastercard® Debit Card purchases with the Mastercard® zero-liability guarantee. This protection helps block suspicious transactions that take place, particularly when they occur in foreign countries where fraud is prevalent. If you are planning on traveling internationally, please call 1-800-992-3808 to let us know.

Lost or stolen debit card

If your card is lost or stolen, please call 1-800-992-3808.

For assistance after hours, please call 1-800-472-3272.

ATM Debit Cards

As a member of Great Meadow, you have access to over 30,000 surcharge-free ATMs nationwide. Not even the big banks can offer that kind of convenience! CLICK HERE TO FIND opens in a new window your nearest surcharge-free CO-OP® ATM.

Want more options? We’ve added an extra 55,000+ ATMs nationwide for you to choose from with Allpoint.® We now have more surcharge-free ATMs than Bank of America, Chase, and Wells Fargo combined…and then some! Click here to find your nearest location.

Simple Overdraft Protection

Everyone makes mistakes. We offer two programs to help you avoid overdrafts on your checking account. Overdraft Protection and Member Privilege. Opt in to these programs to ensure maximum protection against overdrafts.

Breathe easy by opting into our Overdraft Protection. We’ll automatically transfer money from your GMFCU Savings account to avoid overdrafts from check or debit card purchases. Enrolling is free, and you only pay a $3 per item fee when it is used.

With our courtesy pay program, Member Privilege, GMFCU will cover checks, electronic payments, debit card transactions and transfers that will not clear due to Non-Sufficient Funds (NSF). This will help you avoid the expense of returned item fees. We do charge a $35 fee per item covered, and you have up to 30 days to get your account back to a positive balance.

Convenient Online Services

Our Online Banking makes your account available to you whenever you want it. Check balances, transactions, view images of checks from the convenience of your home, phone or tablet. You can also perform transfers, make loan payments, view e-statements and more.

Easily pay your bills online from your GMFCU accounts. You can set up an unlimited amount of payees, schedule automatic and reoccurring payments. You can even receive electronic summary versions of paper bills directly from your Bill Pay account.

Questions?We're here to help.

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