Checking Accounts

More of Everything You Love

Get more from your checking account: more cash back, higher earnings, and the latest in tech and security for Greater peace of mind. That’s the power of banking with Greater Nevada Credit Union.

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Types of Credit Union Checking Accounts

With multiple credit union checking accounts to choose from, and each designed to support a different financial goal, banking with us has never been easier or more rewarding.

Compare Checking Accounts

Aspire Checking

Aspire to more with this high-yield checking account. In qualified months, you can earn 5.00% APY on qualifying balances up to $25,000, up to $9 in out-of-network ATM fee refunds, and waiver of the monthly service charge.¹

Aspire High-Yield Checking

Cash Back Checking

Swipe, swipe, and swipe some more. In qualified months, you can earn up to $10 in cash back on purchases made with your debit card from any merchant, up to $9 in out-of-network ATM fee refunds, and waiver of the monthly service charge.²

Cash Back Checking

Student Cash Back Checking

There’s always more to learn and love about finances–especially if you’re a student between the ages of 14 and 24 years old. Enjoy no monthly service charge, plus the opportunity to earn up to $10 in cash back from purchases made with your debit card in qualified months.³

Student Checking

Rock Checking

Love shopping and watching entertainment online? Then you’ll love this rewards checking account, too. In qualified months, you can earn up to $10 in rebates for purchases made with your debit card through iTunes®, Amazon® and Google Play™ (plus a one-time $20 sign up bonus), up to $9 in out-of-network ATM fee refunds, and waiver of the monthly service charge.⁴

Rock Rewards Checking

Connect Checking

Sweet simplicity. Enjoy this straightforward account with limited requirements for the waiver of the monthly service charge.⁵

Connect Checking

Business Checking

Let’s talk business. If you are registered and operate in Nevada, or have an owner who lives in the state, then click through below to see what options are available to you.

Business Checking

Checking Account Benefits with Greater Nevada Credit Union

There’s plenty to love about credit union checking accounts, especially when you bank with us. These perks are universal, meaning they come with every checking account we offer.

No Minimum Balance

No need to maintain a minimum balance in any of our checking accounts (but we recommend keeping a healthy amount in yours anyway).

Every Card Purchase Counts

Unlike elsewhere, both PIN (debit) and signature (credit) purchases with your debit card qualify towards the monthly qualifications.

Safe & Secure Digital Banking

We understand that you don’t always want to make a trip to a branch. That’s why we made banking online and through our mobile app easy to use so you can bank anytime, anywhere you’d like.

Online & Mobile Banking

Nationwide ATM Access

We partner with other credit unions and ATM providers to extend your access to offer fee-free transactions at over 30,000 ATMs across the U.S. through the CO-OP Shared ATM network.

Find an ATM Near You

Mobile Wallet Friendly

Make debit card purchases with your favorite mobile wallet including Apple Pay™, Samsung Pay™, Google Pay™, Garmin Pay™, and Visa Click to Pay.

Mobile Wallets

Always On Patrol

Rest easy knowing we actively monitor all member accounts for fraud with help from Falcon Fraud and other cutting edge tools. Your GNCU Visa debit card also includes coverage by Visa’s Zero Liability Policy⁶, and you can enjoy complete control over your card through our GNCU Cards app.

How We Protect You

Checking Account Frequently Asked Questions (FAQs)

Check your facts about checking accounts. With several options available, it helps to understand the basics of what you’re getting.

What is a checking account used for?

Checking accounts are primarily used for depositing money, making purchases, and paying bills. Unlike savings accounts, which are used for longer-term funds storage, checking accounts are designed to support everyday banking uses.

What are the benefits of having a credit union checking account?

Checking accounts with credit unions operate a little differently from checking accounts with traditional banks. Because credit unions use their profits to benefit members, we’re able to offer perks like better rates and rewards, possibly fewer and lower fees, and you-centric financial resources.

What do I need to open a checking account with Greater Nevada Credit Union?

To become a member and open a checking account with Greater Nevada Credit Union, you must either work or live in Nevada, or have an immediate family member who does, ,and be able to provide government issued identification and possibly other forms of proof of that residency or work–bills, pay stubs, and similar.

How do I open a checking account?

Opening a checking account is as easy as applying online or visiting your local Greater Nevada Credit Union branch. We’re happy to walk you through the process or explain other ways to save, grow, and manage your money.

Open a Credit Union Checking Account

Open a checking account or check out other personal banking services available through our credit union.

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Real Members, Real Impact

We are a community of people who are committed to helping each other. Our Live Greater Stories series highlights the passions, lives, and businesses of our members, and the ways in which we helped them meet their goals and fulfill their dreams.

Live Greater Stories

¹ APY (Annual Percentage Yield) effective December 1, 2024, and subject to change without notice. Aspire Checking accounts earn 5.00% APY on qualifying balances up to $25,000. Rate tiers are as follows: 5.00% APY applies to balances of $0.01 – $25,000.00 and 0.05% APY applies to balances over $25,000.00 if qualifications are met during the monthly qualification cycle. 0.05% APY applies to all balances if monthly qualifications are not met. Dividends will be credited to your account and compounded every month. Other rewards received when monthly qualifications are met include up to $9 in out-of-network ATM fee rebates and waiver of the $15 monthly service fee. Proof of ATM fees of $5 or more may be required to process fee rebate. For rebates of individual ATM fees of $5 or more, please visit a GNCU branch or call the Member Resource Center at (800) 421-6674. Monthly qualifications are 9 debit card purchases must post and clear, one direct deposit received, and account statements delivered via eStatements. “Qualification Cycle” means a period beginning one day prior to the first of the month and ending one day prior to the last day of the month (ex. July 31 – August 30 for August statement). Transactions may take one or more business days from the transaction date to post to an account from the date the transaction is made. Fees could reduce the earnings on the account. Membership requirements apply. Available to personal accounts only.

² Up to $10 in cash back monthly based on 1% cash back on all signature and pin based swipes on the first $1,000 in point of sales transactions per month when qualifications are met. Other rewards received when monthly qualifications are met include up to $9 in out-of-network ATM fee rebates and waiver of the $10 monthly service fee. Proof of ATM fees of $5 or more may be required to process fee rebate. For rebates of individual ATM fees of $5 or more, please visit a GNCU branch or call the Member Resource Center at (800) 421-6674. Monthly qualifications are 9 debit card purchases must post and clear, one direct deposit received, and account statements delivered via eStatements. “Qualification Cycle” means a period beginning one day prior to the first of the month and ending one day prior to the last day of the month (ex. July 31 – August 30 for August statement). Transactions may take one or more business days from the transaction date to post to an account from the date the transaction is made. Membership requirements apply. Available to personal accounts only.

³ Student Cash Back Checking is available to students enrolled in school, ages 14 – 24 years old. Students must be available to present a student ID or substitute evidence of enrollment. Up to $10 in cash back monthly based on 1% cash back on all signature and pin based swipes on the first $1,000 in point of sales transactions per month when qualifications are met. Monthly qualifications are 6 debit card purchases must post and clear and account statements must be delivered via eStatements. “Qualification Cycle” means a period beginning one day prior to the first of the month and ending one day prior to the last day of the month (ex. July 31 – August 30 for August statement). Transactions may take one or more business days from the transaction date to post to an account from the date the transaction is made. Membership requirements apply. Available to personal accounts only.

⁴ Up to $120 in iTunes® or Amazon.com®, or Google Play™ purchase reimbursements per year based on up to $10 in reimbursements each qualifying month if qualifications are met. A one-time $20 sign up bonus reimbursement is included after the first full monthly qualification cycle if qualifications are met. Other rewards received when monthly qualifications are met include up to $9 in out-of-network ATM fee rebates and waiver of the $10 monthly service fee. Proof of ATM fees of $5 or more may be required to process fee rebate. For rebates of individual ATM fees of $5 or more, please visit a GNCU branch or call the Member Resource Center at (800) 421-6674. Monthly qualifications are 9 debit card purchases must post and clear, one direct deposit received, and account statements delivered via eStatements. “Qualification Cycle” means a period beginning one day prior to the first of the month and ending one day prior to the last day of the month (ex. July 31 – August 30 for August statement). Transactions may take one or more business days from the transaction date to post to an account from the date the transaction is made. Membership requirements apply. Available to personal accounts only.

⁵ Monthly qualifications are 6 debit card purchases must post and clear, 10 years of membership, or member is age 65 years or older for waiver of the $5 monthly service fee. Transactions may take one or more business days from the transaction date to post to an account from the date the transaction is made. Membership requirements apply. Available to personal accounts only.

⁶ Visa’s Zero Liability Policy does not apply to certain commercial card and anonymous prepaid card transactions or transactions not processed by Visa. Cardholders must use care in protecting their card and notify their issuing financial institution immediately of any unauthorized use. Contact GNCU for more detail.