Free checking without the fine print!member_checking_accounts.jpg

Member Checking Accounts


  •   No monthly service fees
  •   No minimum balance
  •   Free GMFCU checks
  •  Free Visa® 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

Switch Now

Switch to GMFCU Checking and stop paying bankfees

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.

Free Visa® Debit Card

Use your Visa® debit card to pay anywhere Visa® is accepted, or use it in our ATM network. You are also protected against fraudulent activity on your Visa® debit card purchases with the Visa® 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 518-642-8100 to let us know.

Lost or stolen debit card

If your car is lost or stolen, please call 888-241-2510 domestically or 909-941-1398 internationally.

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.

Overdraft Protection

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.

Member Privilege

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 $25 fee per item covered, and you have up to 30 days to get your account back to a positive balance.

Convenient Online Services

Online Banking The Way You Want It

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

Online Bill Pay

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.

Phone Banking

Call our phone banking line at 5518-642-8100, 24/7, to monitor transactions and deposits, and conduct transactions.

ATM Debit Cards

As a member at 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 locate your nearest surcharge-free CO-OP® ATM. 


We're here to help. Please call 518-642-8100 or toll-free 800-303-1110

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Online Banking Login

(If you are having trouble signing in, please call 800-303-1110 or contact us.)