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GENCO FCU Personal Checking Accounts

KASASA® Cash

Earn high dividends and refunds on ATM withdrawal fees* with FREE GENCO Kasasa Cash Checking. Choose free checking that pays you in cash every month.

KASASA® Cash Back

Get cash back on debit card purchases and refunds on ATM withdrawal fees* with FREE GENCO Kasasa Cash Back checking.

FREE Checking

You found it! FREE CHECKING! Searching for a no-frills checking account that still offers features to fit your active lifestyle? Discover our FREE Checking Account!

First Class Checking

GENCO created the exclusive First Class Checking account, to meet your unique and diverse lifestyle.

Senior Class Checking

Senior Checking is a specially designed account for clients age 55 and up. You’ll enjoy a range of benefits and extras that make banking convenient for you.

Business Checking

Your business is unique and needs a checking solution that suits your business.

Order Checks

For further details, visit the product disclaimer page.

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*APY = Annual Percentage Yield. APYs are accurate as of 12/01/2022. Rates and rewards are variable and may change after account is opened. Fees may reduce earnings Receipt of electronic statements is a condition on these accounts. Limit 1 account per social security number / individual taxpayer identification. There are no recurring monthly service charges or fees to open or close this account. Contact one of our credit union financial service representatives for additional information, details, restrictions, processing limitations, qualifications and enrollment instructions. Kasasa is a trademark of Kasasa Ltd., registered in the USA.

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I want to: Calculate my options

Use these online calculators as a resource for planning, estimating and exploring your financial opportunities!

Start Calculating

Choose free checking that pays you in cash every month.

Our free Kasasa Cash® checking account earns up to 2.25% APY* on your balance, just for doing simple banking activities that save you time.

You’ll also get refunds on your ATM withdrawal fees, nationwide.* That way you can get to your money whenever (and wherever) you need it. Come see us today to get your account opened in minutes! Find a branch closest to you.

Benefits

2.25% APY* on balances up to $10,000
0.50% - 0.50% APY on balances over $10,000 depending on balance in account*
0.05% APY* if qualifications aren't met
Refunds on ATM withdrawal fees, nationwide (up to $15 monthly)*
No minimum balance to earn rewards
No monthly service fee
Free online banking (Net Branch)
Free bill pay
Free E-Statements
Free MasterCard debit card with My Card
$50 minimum deposit to open
Quicken compatible

It’s easy to earn your rewards — here’s how!

To earn your rewards, just do the following transactions and activities in your Kasasa Cash account
during each Monthly Qualification Cycle:

Have at least 1 ACH credit or ACH payment transaction post and settle
Have at least 12 debit card purchases post and settle
Be enrolled in and log into online banking
And if you don’t meet these qualifications, your account is still free.

Plus, you’ll still earn our base rate. And you can get right back to earning your full rewards the very next cycle that you qualify!

*Disclosures

Get cash back on debit card purchases and refunds on ATM withdrawal fees* with FREE GENCO Kasasa Cash Back checking.

Get cash back on more than just gas or groceries — our free Kasasa Cash Back® checking pays 3.00% cash back on your everyday debit card purchases (up to $72 back per year).*

You’ll also get refunds on your ATM withdrawal fees, nationwide* — so every ATM is yours, whether you’re in Waco, Lufkin, Woodway, Lorena or anywhere else. Visit us today to open your account in minutes.

•3.00% cash back on debit card purchases*

•Cash back earned on up to $200 in purchases monthly

•No category restrictions on purchases

•Earn up to $72 cash back per year, $6 per month

•Refunds on ATM withdrawal fees, nationwide (up to $15 monthly)*

•No minimum balance to earn rewards

•No monthly service fee

•Free online banking (Net Branch)

•Free E-Statements

•Free MasterCard debit card with My Card

•$50 minimum deposit to open

•Quicken compatible

It’s easy to earn your rewards — here’s how!

To earn your rewards, just do the following transactions and activities in your Kasasa Cash Back
account during each Monthly Qualification Cycle:

•Have at least 1 ACH credit or ACH payment transaction post and settle

•Have at least 12 debit card purchases post and settle

•Be enrolled in and log into online banking

And if you don’t meet these qualifications, your account is still free.

There are no penalties — and you can get right back to earning your cash rewards the very next cycle that you qualify.

$50 minimum opening balance
No monthly service fee
No minimum balance requirement
Unlimited check writing privileges
Free online banking (Net Branch)
Free bill pay
Free E-Statements
Free MasterCard debit card with My Card
Quicken compatible

*Disclosures

Enjoy the benefits that provide both protection and savings for you and your loved ones. Plus, you’ll have immediate access to program benefits online. As a First Class Checking account holder you will have protection and convenience all bundled into one account.

First Class Checking makes it easy for you to earn competitive dividends, save money and enjoy the ultimate in member convenience. Check out a few of the unbeatable perks that come with First Class Checking.

Open with a low minimum balance of only $100
Earn competitive dividends on average daily balances of just $100 and up
Anytime account access and home banking
PAT (Personal Audio Teller)
Optional overdraft protection
Convenient direct deposit/payroll deduction
No per-check charges
Keep a low minimum balance of $400 to avoid a minor $4 service charge
Free online banking (Net Branch)
Free bill pay
Free E-Statements
Free MasterCard debit card with My Card
Quicken compatible

*Disclosures

FREE 2 boxes of checks with direct deposit to your checking account
FREE cashiers checks
FREE notary public service
10% discount off any size safe deposit box
Open with a low minimum balance of only $100
Earn competitive dividends on average daily balances of just $100 and up
Anytime account access and home banking
PAT (Personal Audio Teller)
Optional overdraft protection
Convenient direct deposit/payroll deduction
No per-check charges
Keep a low minimum balance of $200 avoid a minor $4 service charge
Free online banking (Net Branch)
Free bill pay
Free E-Statements
Free MasterCard debit card with CardSecure
Quicken compatible

*Disclosures

Your business is unique and it needs a suitable checking solution. GENCO’s business checking solutions are designed to fit a variety of business needs and come with a variety of options, including online account management, overdraft protection, no per-check fee, and competitive dividends. Review the facts and see why our business account will meet your unique business needs.

Business checking makes it simple to manage your books. Because our accounts are compatible with them, downloads to TurboTax and Quicken are easy. Make it easier on you and your business with our business compatible checking account.

Optional overdraft protection
No per-check charges
Open with a low minimum balance of $300
Earn competitive dividends on average daily balances of just $100 and up
PAT (Personal Audio Teller)
Convenient direct deposit/payroll deduction
Keep a low minimum balance of $1,000 to avoid a $10 service charge
Free online banking (Net Branch)
Free E-Statements
Free MasterCard debit card with CardSecure
Quicken compatible

*Disclosures

Web Payment Center

MasterCard Account

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GENCO FCU Personal Checking Accounts

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I want to: Calculate my options