Welcome Kit

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Digital Services

Welcome to a better relationship with your bank Welcome!

Since 1954, General Electric Credit Union (GECU) has been dedicated to supporting our members and our community. While things have certainly changed since we first opened our doors, our mission remains the same: Improving the Quality of Financial Lives.

We live our mission every day through the quality of the products and services we offer. Whether you’re purchasing your first car or looking for a better way to bank, we meet you where you are with guidance and solutions to help you achieve your goals.

Thank you for choosing GECU to serve your financial needs. We’re here for you today, and always. We look forward to the journey, together!

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Digital Services

Digital Services

Your life is mobile, your banking should be, too. We make it easy to bank when it’s convenient for you with our top-rated mobile app and Online Banking services, 24 hours a day. Scan this QR code using your phone’s camera to download our mobile app, or search General Electric Credit Union in your app store!1

Get connected

Whether you prefer desktop, mobile, or tablet, we have you covered with Online Banking and our mobile app. Enrolling in one grants access to both.

Plus, facial recognition (available on iPhone) and Fingerprint ID make viewing your accounts secure and convenient.

Move money

Save yourself a trip to the branch. With payments and transfers, you can securely: • Transfer money between GECU accounts.

• Transfer funds to/from other financial institutions.

• Make a GECU loan payment.

• Send money to family and friends with Zelle®.2

Manage bills

Pay your bills without the hassle of writing checks, buying stamps, or trying to remember multiple passwords. With Bill Pay you can conveniently manage and pay all your bills in one place, receive electronic versions of bills, and schedule one-time or automatic recurring payments for expenses like: rent, streaming services, and utilities.3 Learn more about paying a GECU loan on page 24.

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Digital Payments

Make secure and easy payments using digital wallets—a contactless and quick way to pay with your GECU credit and debit card(s). Use your preferred wallet app to make purchases in-store, in-app, and online.

Learn more at: gecreditunion.org/digital-wallets.

Checking and Savings

Stay informed

Don’t miss a thing with customizable account and loan alerts for: payment due dates, low or high balances, and large withdrawals or deposits. Have notifications or alerts sent via: text, email, or push notification. To get a snapshot of your accounts quickly, enable Quick Balance on iPhone® and AndroidTM devices.

Discover more January 2025

Connect all your bank and investment accounts in one place for a complete financial picture. Use free tools available through Money Management to help: • Track spending habits with customizable categories.

• Create and follow budgets to stay on track.

• Manage savings goals.

• Set up custom text or email alerts for things like staying on budget or reaching savings goals.

Deposit checks

Deposit a check directly into your GECU checking or savings account with just a few taps within our mobile app. Simply tap Mobile Deposit, select the account for your deposit, snap a photo of your check, and wait for the confirmation—it’s that easy! 4

Have questions about digital services? Contact us via: secure email, chat in Online Banking, or our mobile app.

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Checking Accounts

Checking accounts designed for you. We make it easy to match the right checking account to your lifestyle.

Simply Free

Checking and Savings

Checking 5

Choice

Checking

5

Amplified High-Yield Checking 5

Health Savings Account (HSA)5

Minimum to open

$25

$25

$25

$0

Monthly maintenance fee

$0

$10; Waived with average daily balance of $500

$15; Waived with average daily balance of $1,500

$0

Earns dividends Access to 100,000 free ATMs/ITMs6 (See page 18)

Free debit card Free access to Online Banking and top-rated mobile app1 Free Mobile Deposit4, Bill Pay3, and eStatements Access to Digital Wallets Free account alerts Early Pay Eligible Access to Zelle®2 Overdraft solutions

(See page 7)

Free first book of checks Waived out-ofnetwork ATM fees

Yes, HSA Checks Get reimbursed for up to 10 out-of-network ATM fees per month

Plus, our checking accounts come with the perks on the following pages.

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Compare, open, and fund a checking account online at: gecreditunion.org/apply.

View rates at: gecreditunion.org/deposit-rates.

Checking account perks

From free ATMs to our Round-Up savings program, our checking accounts are packed with features to make your everyday banking better.

Completely free access to 100,000 ATMs/ITMs6

Withdraw funds from 100,000 completely free ATMs nationwide at: GECU, Allpoint, CULIANCE, MoneyPass, and Fifth Third ATMs. You can find them just about anywhere, including: Target, CVS Pharmacy, Walgreens, Kroger, Costco Wholesale, UDF, 7-Eleven, and more.

See page 18 for details or visit: gecreditunion.org/atm.

Save and earn cash back with a GECU debit card

Build your savings without having to think about it!

When you enroll in Round-Up, just use your GECU debit card for everyday purchases. Then we’ll automatically round up your transactions to the nearest dollar and transfer the change into your GECU savings account.7 Plus, we’ll add a match on your rounded up funds up to $350 each year.7

$3.60

Make a purchase with your GECU debit card

$0.40

We’ll round up the change and transfer it to savings

Earn a match on your rounded up amount up to $350 each year7

Send money to family and friends with Zelle®

Zelle®2 makes sending money to friends, family, and others you know fast, safe, and easy—right from the GECU mobile app or within Online Banking!

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Learn more at: gecreditunion.org

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Additional checking account perks:

Know your score

View your FICO® Score within Online Banking and our mobile app when you have a: loan, credit card, Simply Free, Choice, or Amplified High-Yield Checking account with us. Viewing your FICO® Score doesn’t impact your credit, and it’s completely free!

Take control of your GECU debit card(s) with Card Controls • Set up alerts to get real-time notifications about your debit card activity via: text, email, and push notifications.

• Set spend limits to prevent charges over a specified dollar amount.

• Block international purchases to limit your debit card to U.S. transactions only and instantly lift those restrictions when traveling or shopping abroad.

• Customize how you shop by enabling or disabling purchases by transaction type, such as payments made online or by phone.

• Turn your card On/Off to temporarily deactivate your card for instant peace of mind.

Get paid up to two days early When it comes to getting paid, why wait? You work hard for your money, now we’re helping you get it up to two days faster with Early Pay! No cost. No catch.

No need to sign up – we’ve already got you covered.8

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Overdraft solutions

Our overdraft protection options keep you moving through your day—uninterrupted.

Choose the best option for you

We’ve all forgotten about an automatic payment or miscalculated a budget—that’s life! If you accidentally overdraw your checking account or worry you don’t have enough money to cover an unexpected expense, we’ve got you covered with overdraft protection options.

Overdraft Protection Transfers 9

Eligible accounts

Details

Fees

Overdraft Line of Credit

Courtesy Overdraft 10

Simply Free, Choice, and Amplified High-Yield Checking

Any GECU checking account

Any GECU checking account

Automatically transfer funds to a checking account from a GECU savings or money market account, for free.

Prevent overdrafts by automatically transferring funds to your checking account from your line of credit (upon application approval).

This option covers transactions (checks, ACH, and Bill Pay) when you don’t have sufficient funds in your account. Opt-in to extended coverage and cover everyday debit card and ATM transactions.

$0

$0 if the transfer is initiated in Online Banking or our mobile app in advance; otherwise, $2 per transfer (plus interest).

$32 overdraft fee per item

Choose one of these options or layer them together in the order you’d like for extra protection.

Learn more

For additional details on overdraft solutions, scan this QR code using your phone’s camera or visit: gecreditunion.org/overdraft.

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Learn more at: gecreditunion.org

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Savings

What are you saving for? Whether it’s your first house, a family vacation, your child’s college fund, or a new ride, GECU offers the flexibility to live in the moment while saving for your dreams.

Savings accounts

Money Markets

(Thrive and IRA)11

Certificates

(Standard, IRA, and HSA)12

$5

$0

(Jumbo options require min. of $100,000)

Monthly maintenance fee

$0

$0

$0

Earns dividends Insured by NCUA up to at least $250,000 Free access to Online Banking and top-rated mobile app1 Free Mobile Deposit4 Access to 100,000 free ATMs/ITMs6 (see page 18)

(Thrive only)

(Thrive only)

Free eStatements

Free access to Bill Pay3 F ree contactless debit card

(Thrive only)

(Thrive only)

Free account alerts

Variety of term options Free first book of checks

(Thrive only)

Learn more about our savings accounts on the next page.

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$0

Minimum to open

Open and fund online at: gecreditunion.org/apply.

View rates at: gecreditunion.org/deposit-rates.

With our savings accounts, you’ll enjoy:

Comfort knowing your funds are insured by NCUA up to at least $250,000

No monthly maintenance fees

Withdrawals at 100,000 free ATMs/ITMs6

Savings accounts

Our savings accounts make it easy to build your savings—and easy to take a little when you need it through Online Banking and our mobile app.

Credit Cards

Thrive Money Market Account

Thrive Money Market, our high-yield savings account, offers competitive rates on attainable balances, so you can grow your savings faster while maintaining flexible access to your money.11 Plus, easily access your funds with: Online Banking and our mobile app, a free GECU debit card, and money market checks.

IRA Money Market Account

Our IRA Money Market is a high-yield, tax-advantaged account designed to give your retirement savings a boost. There is no minimum to open and you get the tax advantages and guaranteed earnings of a Traditional or Roth IRA, minus the worry of market fluctuations.11

Certificates

Grow your savings and earn attractive dividends with certificates. We offer terms ranging from three months to five years, so you can choose the option that fits your goals, or build a strategy with a variety of durations. We also offer HSA, IRA, Business, and Jumbo Certificates for more earning potential.12 Learn more about certificates, certificate laddering, and current rates online at: gecreditunion.org/certificates.

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Credit Cards

Looking for a credit card with an unbeatable low rate?

We have rewarding options perfect for your wallet.

The Classic

The no-frills, low-rate card that never goes out of style.

Our lowest rate

Our lowest rate credit card is perfect for the savvy spender who isn’t looking to earn points or cash back but wants a classic, back-to-basics credit card.

Credit Cards

The Classic card offers many of the same perks as our other credit cards, including: access to your FICO® Score, Zero Liability13, and Cell Phone Protection, with the added benefit of having the lowest possible rate.

Gold

The unlimited cash-back rewards card that automatically applies rewards to your card account monthly.14 Unlimited cash-back reward

• Earn 2% cash back at U.S. supermarkets and wholesale clubs (including Costco and Sam’s Club).

• Earn 1.5% cash back at gas stations.

• Earn 1% cash back on all other purchases.

• Earn 10% cash back on paid finance charges.

n a monthly basis, earnings will automatically O be applied to your card account balance, reducing the amount you owe.

Add your GECU credit card to your favorite digital wallet Contactless payments are a quick and secure way to make purchases right from your device. To get started, download one of the apps, then sign up with your GECU card and simply tap or click Pay!

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Choose the perfect card for you

From The Classic to Signature, we offer the right card for you.

Platinum

Visa Signature®

Reward points for every purchase

Reward points for every purchase

The flexible, unlimited point-earning card that rewards you for everyday spending.15

With the Platinum card, your points have unlimited earning potential and never expire!

• Earn 3x points at U.S. supermarkets and wholesale clubs (including Costco and Sam’s).

• Earn 2x points at gas stations.

• Earn 1x points on all other purchases.

Redeeming points

Whether you want to redeem points for cash back to grow your savings or to put toward a vacation—the choice is yours. You can also redeem points for: merchandise, gift cards, experiences, and charitable donations.

The elite card that rewards you with unlimited 2x points on every purchase.16

Earn 2x the points on every purchase—plus, enjoy unlimited earning potential and points that never expire!

Visa Signature® concierge

Wherever you go, you have 24/7 assistance with a wide range of services, including: travel, entertainment, dinner reservations, and exclusive shopping offers.17

No foreign transaction fees

We have you covered around the world, with no foreign transaction fees to slow you down.18

Redeeming points

With flexibility and options, you can redeem points however you choose, including: cash back into a savings account, high-end merchandise, gift cards, exclusive experiences, and charitable donations. The choice is yours!

Need a credit card for your business?

With our Business Credit card, you can easily manage business expenses and earn 2x the points with every purchase.19 See page 23 for more information about our business credit card.

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Learn about current card specials and more

Looking to build your credit?

Explore and compare current credit card rates and introductory offers, at: gecreditunion.org/credit-cards.

With our Classic Secured card, you can easily establish or improve your credit as your credit line is secured with the amount you choose to deposit in a savings account.

Ready to apply?

Scan the QR code using your phone’s camera or visit: gecreditunion.org/apply.

Learn more at: gecreditunion.org

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Digital Wallets for fast and secure checkout Contactless payments with tap to pay chip technology Access to FICO® Score for free Access to online credit card and rewards management Zero Liability 13 Earns unlimited points that don't expire Earns unlimited automatic cash back Visa Signature® Concierge 17 Roadside Dispatch® Travel and Emergency Assistance Cell Phone Protection ID Navigator Powered by NortonLifeLock™ Purchase Security Return Protection Travel Accident Insurance Trip Cancellation/Interruption Insurance Identity Theft Resolution Services Lost Luggage Reimbursement

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Visa Signature®

Platinum

Gold

The Classic

Classic Secured

Compare credit card options below

Managing your credit card is easy Within Online Banking and our mobile app, you can: • View a snapshot of your credit card account.

• See transaction history and statement summaries.

• Schedule one-time or recurring payments.

• Customize your preferences to receive real-time texts and/or email alerts.

• Redeem and manage points (for point-based cards).

• Sign up for credit card eStatements and view up to 24 months of statement history.

• Apply for a credit line increase.

• Dispute a transaction.

Borrowing

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Borrowing

You have hopes, goals, and dreams. We make fulfilling them possible with a range of lending options that put funding in reach and bring adventures to life!

Term loans

Funds are advanced at one time and repaid over a set period.

Mortgage Loans20

Perfect for you if:

Home Equity Loans21

Personal Loans (Secured or Unsecured)

Auto Loans

Boat, RV, Motorcycle Loans

You’re ready to purchase a home.

You want to refinance your home.

You want to consolidate debt.

You need to fund a home improvement project or other large purchase.

You want to purchase a vehicle.

You want to purchase a boat, RV, or motorcycle.

Borrowing

Other features Access to FICO® Score No prepayment penalties Payment amounts Loan application fee or closing costs

Fixed or adjustable

Fixed

Fixed

Fixed

Fixed

Application fee (refundable) and closing costs

None

None

None

None

Other term options available

For current rates and terms, visit: gecreditunion.org/lending-rates.

Sign up for Online Banking and our mobile app!1 Easily manage your loan from your computer, tablet, or phone!

Set up alerts, make payments, and see your FICO® Score 24/7.

Scan the QR code to learn about online payment options.

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Apply online at: gecreditunion.org/apply.

With any GECU loan or line of credit, you’ll have access to:

Online Banking and Access to your mobile app1 FICO® Score for free

Convenient payment options

Lines of credit

Money is available up to your approved limit and can be used, repaid, and used again as needed. When using a line of credit, interest is only applied to the amount used.

Home Equity Line of Credit (HELOC)22

Equity Rich Line of Credit (ERLOC)22

Anytime Line of Credit

Fixed or variable rate

Variable

Variable

Variable

Loan application fee or closing fee

None

None

None

Real estate

Real estate

None

Perfect for you if: You own your home and want to leverage the equity.

You have significant equity in your home and would like an inexpensive first mortgage alternative.

You want to consolidate debt.

You need to fund a home improvement project.

You need access to cash to manage expenses.

You want to purchase a vehicle, a boat, or take a vacation.

Other features Access to FICO® Score

No prepayment penalties Interest-only payments for the first 10 years

Resources

Collateral required

Lines of credit for all of life’s big moments Planning a wedding or big event? Paying off high-interest debt? Buying a new home? We have a financial solution for all your life events.

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Resources to support you

Whether you’re looking for advice on the right accounts for you, or to guide you through life’s major events—saving for long-term goals, buying a new home, or sending a child to college—we’re here for you.

Financial Wellness

Knowledge is power. Your relationship with us goes beyond servicing your accounts. Our team members, including our certified financial coaches, are here to support you. Tap into information and expert advice that can help you in your career, your personal finances, and so much more.

Money Minutes blog: Discover new content weekly on our Money Minutes blog. We cover subjects important to your financial journey so you can learn best practices, navigate current economic trends, and make decisions with confidence.

Free webinars and seminars: We regularly present free webinars and seminars addressing popular topics you truly care about, including: • Social Security • Long-term care and Medicaid • Estate planning • Rebuilding your credit • Elder law

• Budgeting • Paying for college • Home buying • Small business insights

Resources

Can’t attend live? Visit our Events page to watch recorded webinars on past topics at your convenience. We’re excited to be your one-stop-shop, and provide you with professional advice right from the comfort of your home! To learn more, scan the QR code using your phone’s camera or visit: gecreditunion.org/cu-events.

Digital e-books

Expand your financial knowledge in minutes with easy-to-understand visual e-books. Topics include: the power of compound interest, saving strategies, and more. Visit: gecreditunion.org/blog and search eBook to view our library!

Quarterly member newsletter

Discover how to maximize your GECU member benefits in our Bright Horizons newsletter, delivered to you quarterly. Stay up-to-date on recent financial trends, enjoy tips to help you achieve your goals, hear how we’re giving back to our local communities, and more.

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Legal Services

Life can be full of ups and downs. Our alliance with Cincinnati-based law firm, Wood + Lamping LLP, offers guidance when navigating challenges. With more than 90 years of experience in 18 distinct practice areas, they are committed to serving your best interests.23 Areas of specialty include, but are not limited to: • Wills and estate planning • Divorce/dissolution

• Elder law • Real estate law

Learn more at: gecreditunion.org/legal.

Opening a new account?

Conveniently schedule your Virtual Video Appointment!

You can now meet our local team from the comfort and convenience of home—or wherever you may be.

Receive 1:1 service and assistance to:

• Open a new checking, savings, certificate, or money market account • Apply for a new credit card, vehicle loan, or personal loan

Hours: Monday - Thursday: 9 am – 5 pm Friday: 9 am – 6 pm Saturday: 9 am – 2 pm

ATMs and ITMs

Schedule your virtual appointment gecreditunion.org/appointment.

By scheduling a virtual appointment, you agree to Video Terms of Use. For full details, visit gecreditunion.org/appointment.

*

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Your money is always within reach Get cash from 100,000 completely free ATMs/ITMs nationwide at all: GECU, Allpoint, CULIANCE, MoneyPass, and Fifth Third ATMs.6

Convenient locations

You may not see our name on the ATM, but we’re still there. Just look for Allpoint ATMs in places you already know and love, including:

ATMs and ITMs

Use our mobile app to conveniently find an ATM or ITM near you or visit our website at: gecreditunion.org/atm.

Bank your way with ITM banking

Business Services

Experience our Interactive Teller Machines (ITMs). This first, true evolution of the ATM offers both self-service and personal, assisted service. With our ITMs you get the convenience of an ATM, plus all the capabilities of an in-person teller. Available 24/7/365!

DEBIT

Talk with a Personal Teller

ITMs

When you tap the ITM screen to talk with a Personal Teller, you’ll be connected with a local GECU team member via two-way video. Our Personal Tellers will help you with the same transactions you do at the teller line.

Your debit card unlocks more account access, more functionality, and more ways to bank 24/7/365. Our ITMs combine the convenience of an ATM with expanded functionality across all of your accounts, so you can skip the teller line and bank on your time.

(Available during branch hours via drive-thru or lobby vestibule)

• Deposit and withdraw cash down to $1 increments.

Unrivaled convenience far beyond an ATM! (Available 24/7/365)

• View your full relationship and accounts.

• Deposit checks and cash without envelopes.

• Make a payment to your loan or credit card.

• Cash a check down to the penny.

• Withdraw cash in $1 increments.

• Transfer money between GECU accounts.

• Deposit cash/checks into GECU accounts without envelopes.

• Make a loan payment.

• Access money from a GECU line of credit.

• Check account balances.

• Interact and transfer funds between GECU accounts.

• View images of deposited checks on receipts.

Hours: • ITM lobby vestibules and drive-thrus are accessible to members 24/7/365. Swipe your debit card for secure access to enter the ITM lobby after-hours.

• ITMs located inside branches are available during regular business hours.

To learn more and view ITM locations, scan the QR code or visit: gecreditunion.org/itm.

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Business Services

Business Services

Your business banking, simplified. We partner with businesses and non-profits of all sizes, offering a tailored suite of services that align with your unique needs and goals.

Customized solutions

Great rates

Full-service banking solutions to meet a range of business needs.

Leading rates to help your business save more.

Lower fees

1:1 Dedicated local support

Relationship pricing on the suite of services tailored to your needs.

A local relationship partner to offer expertise, guidance, and quick turnaround on decisions.

Business Online Banking options

As a business owner, you probably work beyond the hours of 8 to 5 and need to bank when it’s convenient for you.

Our digital services put you in control with the features you need to manage and grow your business. Our business accountholders have access to both a simplified and more robust Business Online Banking option.24

Business Online Banking

Perfect for mid-sized businesses or business owners managing multiple entities, Business Online Banking provides a more robust experience so you can access and manage accounts. You can also: • Add and manage multiple users’ access.

Our standard Online Banking is perfect for small businesses looking for basic online banking features.

With Online Banking you can securely: • View and access your accounts in real time.

• Deposit checks through the mobile app using Mobile Deposit.

• Link business accounts with different Tax Identification Numbers (TINs).

• Initiate template-based ACH and wire transfers.

Online Banking

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• Transfer funds between GECU accounts and from accounts at other banks or credit unions.

• Mitigate the risk of fraud with Positive Pay (fees may apply).

Feature

Online Banking

Business Online Banking

Use Money Management to analyze finances and spending Apply for a personal loan Review account details and transactions Customize alerts and reminders Transfer funds from internal and external accounts Make a GECU loan or credit card payment Enroll in eStatements Speak with GECU team members via Secure Chat Connect to Quicken/QuickBooks Access credit card statements, activity, and rewards Access multiple accounts under a single login Manage users and customize user access Mitigate the risk of fraud with Positive Pay Access to Autobooks

Contact us at: 513.588.1699/800.542.7093 x1699 or email: businessservices@gecreditunion.org.

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Business checking

Checking accounts are the engine of your business finance machine. You use them to manage the day-to-day operations of your company. We offer two business checking solutions to perfectly fit your business needs.

Simply Free Business Checking26

Premier Business Checking26

Minimum to open

$25

$25

Monthly maintenance fee

$0

$15; Waived with average daily balance of $10,000

Free monthly transactions27

Up to 500

Up to 500

Monthly cash deposit limits

$10,000

$10,000

Earns dividends

Speak with one of our Treasury Management Officers to learn about additional services we can offer your business including:

Business Remote Deposit Capture (RDC) Merchant Services

Business checking benefits: Specialized business checking options

For specialized business account options, including: Zero Balance Account Sweeps, Investment Sweeps, Interest on Lawyer’s Trust Accounts (IOLTAs), and Interest on Trust Accounts (IOTAs), contact Business Services at: 513.588.1699/800.542.7093 x1699 or businessservices@gecreditunion.org.

Set up eStatements

Save paper and time by viewing up to two years of statement history whenever you want within Online Banking or our mobile app.1 Easily save or print your eStatement for your records. A simple, secure, and convenient way to stay on top of your money.

Protect your accounts with overdraft solutions

We know life happens. That’s why we give you options when it comes to overdraft protection. You can decide how you want items to be paid or declined in the event of an overdraft situation with: Business Overdraft Protection Transfers9, Business Line of Credit, and Courtesy Overdraft.10

Free access to 100,000 ATMs/ITMs!6

Withdraw funds from 100,000 completely free ATMs/ITMs nationwide. You can find them just about anywhere, even at many popular retailers, including: Target, CVS Pharmacy, Walgreens, Kroger, Costco Wholesale, UDF, 7-Eleven, and more. See page 18 for details.

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Business savings and certificates

What are you saving for? Whether it’s a future project, an expansion, or earning more on the funds you have saved, we have options to help make your strategic plans a reality.

Business Savings

Business Advantage Money Market28

Business Certificates12

Perfect for you if:

you want to keep saving simple

you want to earn more on higher balances

you want to grow your savings over a set term

Minimum to open

$5

$0

(Jumbo options require min. of $100,000)

Monthly maintenance fee

$0

$0

$0

$0

Earns dividends Free access to Online Banking and top-rated mobile app1 Variety of term options

Business savings

Our Business savings accounts have no monthly fee and offer dividends to grow your savings. Plus, use your savings account as free overdraft protection when you link it to your GECU business checking account.

Business Advantage Money Market Account (BAMMA)

With BAMMA, you’ll experience the power of competitive returns, accessibility, and easy account management. Multiple tiers allow you to earn more as your balance increases.28 Plus, your funds are always within reach, so you can access cash whenever you need it. Higher interest and flexibility? It’s a win-win.

Business certificates

Turn your savings into earnings. We offer a variety of term options from three months to five years, with no minimum amount to open. Want to save more on a high balance? Open a Jumbo Business Certificate with $100,000, and watch your savings grow.12

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Commercial lending

Bring your business’s next big idea to life. From business lines of credit that increase cash flow, to financing equipment for maximized productivity, we have the right lending solution for you.

Loan Payment

Business Credit Card

Simplify purchasing with a GECU Business Credit Card. Competitive rates, 2x the points on every purchase, and unlimited points that never expire.19 Redeem points for: cash back into a GECU checking or high-yield savings account, travel, merchandise, experiences, gift cards, or charitable donations.

Additional Business Credit Card perks: • Choice of individual or consolidated pay

• Zero Liability13

• Multiple card management through Online Banking

• Cell phone protection

• Ability to add authorized users

• Purchase security

• ID Navigator powered by NortonLifeLock

• Travel accident insurance

Business term loans

Equipment financing

Fixed or variable interest rates are available, with flexible payment terms that can be tailored to match your cash flow or marketing cycles.

Whether you want to upgrade, refinance, or purchase new equipment, we offer a variety of monthly payment options and competitive interest rates.

Business real estate loans

SBA loans

Take your commercial real estate projects from start to finish. Whether purchasing or constructing your next location, we have the right lending solutions for your business.

Backed by government-sponsored loan guarantees, SBA loans can be used to purchase assets (e.g., land, buildings, and equipment) or short-term working capital needs.

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Making a Loan Payment

Whether it’s your auto loan payment, credit card, or Home Equity Line of Credit, we have free payment methods to help you pay on time, every time!

Manage your account and make your loan payments easily with Online Banking or our mobile app. You can set up payments from a GECU account or an external account (any non-GECU account). See below for instructions.

To see all our payment options, visit: gecreditunion.org/payments.

Payment method:

Online Banking Directly from a GECU account:

From an external (non-GECU) account:

1. Hover over Move Money and select Make/Schedule a Payment.

1. Hover over Move Money and select External Transfer for Payment.

2. Enter the account you wish to pay from, the payment date and amount, and submit your payment.

2. Enter the amount you wish to pay, the payment date, and submit your payment.

(For your first payment, you will need to select Add an External Account and enter the routing and account number for the account.)

Tip: You can set up automatic recurring payments by selecting the box next to Repeat.

The GECU mobile app Directly from a GECU account:

From an external (non-GECU) account:

1. Tap Make a transfer at the bottom.

1. Tap More, select Loan Payment, then tap Pay from bank account.

2. Enter the account you wish to pay from, the payment date and amount, and submit your payment.

2. Enter the amount you wish to pay, the payment date, and submit your payment.

(For your first payment, you will need to select

Add an External Account and enter the routing and account number for the account.)

CallConnect: Easily make a payment by phone 24/7/365 using CallConnect at: 513.243.3333.

Learn more at: gecreditunion.org/callconnect.

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Contact us

When you have a question or you need to talk to us about your next financial move, we make it easy to get in touch with our friendly experts.

CallConnect Telephone Banking 24-hour self-service telephone banking: 513.243.3333 / 800.589.2875 Learn more at: gecreditunion.org/callconnect

Member Support Phone: 513.243.4328 / 800.542.7093 Email: memberservices@gecreditunion.org Fax: 513.398.0076

Business Services Support Center Phone: 513.588.1699 / 800.542.7093 x1699 Hours: Monday - Friday: 8 am – 5 pm Email: businessservices@gecreditunion.org

Virtual Branch Schedule a virtual appointment from the comfort of home or wherever you are.

• Open a new checking, savings, certificate, or money market account.

• Apply for a new credit card, vehicle loan, or personal loan • Virtual video appointment

Visit our Title Services page for more information and online resources, including Duplicate Lien Release or State-to-State Change request forms.

Email: title@gecreditunion.org Fax: 513.554.1203 Learn more at: gecreditunion.org/title

Card Services Debit Cards: • To activate your debit card or for debit card PIN change requests, call: 877.205.1659.

The Fine Print

Hours: Monday - Thursday: 8 am – 5 pm Friday: 8 am – 6 pm Saturday: 9 am – 2 pm

Title Services

• For general debit card questions, to file a dispute, or to report a debit card lost or stolen, call: 513.243.4328 / 800.542.7093 and select option 3.

Credit Cards: • To activate a GECU credit card, call: 833.541.0770.

• For credit card PIN change requests, call: 866.297.3413.

• For general credit card questions, to report a credit card lost or stolen, report fraud, or to file a credit card dispute, call: 877.205.3175 (follow the prompts).

• For business credit card after-hours support, call: 877.205.3177.

Learn more at: gecreditunion.org/appointments Phone: 513.577.8976 Email: virtualbranch@gecreditunion.org Hours: Monday - Thursday: 9 am – 5 pm Friday: 9 am – 6 pm Saturday: 9 am – 2 pm

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Open an account or apply for a loan today!

The Fine Print

You can open an account in person or online at your convenience.

Simply scan this QR code directly from your phone’s camera, or visit: gecreditunion.org/apply. If you already have Online Banking or our mobile app, you can easily apply from within and your application will be started for you!

Follow us on Facebook, Instagram, LinkedIn, and YouTube Don’t miss a thing! Follow us on social media for: • Recorded webinars • Community events and activities • The latest posts from our blog—Money Minutes • Credit union announcements Learn more, visit: gecreditunion.org.

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The Fine Print Membership eligibility available throughout the Tri-State. For questions or concerns, please contact us at 513.243.4328/800.542.7093 or visit: gecreditunion.org/membership for details.

1 Online Banking/mobile app: We provide Online Banking and our mobile app to you for free; however, mobile/Internet data charges may apply.

Please contact your service provider for details. 2Zelle: U.S. checking or savings account required to use Zelle®. Transactions between enrolled consumers typically occur in minutes. 3Bill Pay: Our unlimited Bill Pay service must be used in conjunction with a GECU checking account. 4Mobile Deposit: Funds are generally made available two days after deposit, but are subject to GECU discretion. 5Checking: You must deposit $25 to open a GECU consumer checking account. The account must be funded within 30 calendar days. For dividend-earning accounts, rates are based on the account balance and account tier. We use the average daily balance method to calculate the dividends on your account. Fees may reduce earnings. Simply Free Checking: is a non-dividend bearing account. There is no minimum balance required to maintain this account. Choice Checking: If your average daily balance is below $500, you will incur a $10 monthly maintenance fee. The tiers are as follows: Tier 1 daily balance of $0.01 to $4,999.99; Tier 2: $5,000 or more. Amplified High-Yield Checking: If your average daily balance is below $1,500, you will incur a $15 monthly maintenance fee. The tiers are as follows: Tier 1 daily balance of $0.01 to $1,499.99; Tier 2 daily balance of $1,500 to $49,999.99; Tier 3 daily balance of $50,000 to $249,999.99; Tier 4 daily balance of $250,000 to $999,999.99; Tier 5 daily balance of $1,000,000 or more. GECU will rebate Amplified accountholders up to 10 out-of-network (foreign) ATM fees per month per membership when you use your GECU debit card to make: a deposit, withdrawal, transfer, or balance inquiry. Fees are rebated at the end of the month. For complete details, visit: gecreditunion. org/checking. 6ATM network: is fee free for withdrawals for GECU debit cardholders. In-network ATMs include: GECU, Allpoint, MoneyPass, CULIANCE, and Fifth Third ATM networks. For more details visit: gecreditunion.org/debit-atm-access. Foreign transaction fees apply to out-ofnetwork ATMs, please review our Fee Schedule for those details. 7Round Up: Round-Up is available with a General Electric Credit Union (GECU) Simply Free, Choice, or Amplified High-Yield Checking account and GECU savings or money market account. Upon enrollment in Round-Up and when using your GECU debit card (provided with your GECU checking account), we’ll round up each purchase to the nearest dollar and transfer the difference from your checking account to your GECU savings account of choice daily. The 5% match will be paid on the sum of rounded up transfers at month end with an annual match limit up to $350; match is reportable on IRS Form 1099. We may cancel or modify the Round-Up service at any time without prior notice. Round-Up is not available for business debit cards. 8Early Pay: For GECU consumer checking accounts only; not available on GECU: money market, business checking, or Health Savings Accounts. Early Pay is a service in which we credit eligible ACH deposits up to two business days early. The timing of when these transactions will be credited is based on when the payer submits the information to us. This means the timing of when transactions are credited could vary and funds may not be received early. We cannot guarantee that you will receive Early Pay due to unanticipated circumstances. Eligible ACH deposits include, but are not limited to: payroll, pensions, and government deposits. Other deposits, such as: check or mobile deposits and card transactions are not eligible for Early Pay. Early Pay is automatic and there is no fee, you can opt out at any time. for details, visit: gecreditunion.org/earlypay. 9Overdraft Protection Transfers: Only available to: Simply Free, Choice, and Amplified High-Yield Checking accountholders. Should there not be enough funds in your primary overdraft savings account, the switch to your secondary overdraft account will occur next business day. 10Courtesy Overdraft: Whether or not overdrafts will be paid is discretionary and GECU reserves the right not to pay. We typically do not pay overdrafts if an account is not in good standing, regular deposits are not made, or there are too many overdrafts. GECU reserves the right to require you to pay an overdraft immediately or on demand.

Overdraft/return check fees may apply. If the account balance above reflects a negative balance, please deposit funds to bring your account back to a positive balance. Generally, your account must be brought to a positive balance within 32 days from the first overdraft to avoid suspension of overdraft privileges or the account being closed. Any item (check, ACH, or other electronic transaction) that is initially returned to the payee because the available balance in your account was not sufficient to cover the item can be represented by the payee for payment multiple times, which is beyond our control. We will charge an overdraft or return item fee of $32 regardless of the number of times an item is presented to us for payment against insufficient funds, and regardless of whether we pay or return the item. 11Money Market Accounts: There is no minimum balance requirement to open these accounts. The tiers are as follows: Tier 1 daily balance up to $99.99, Tier 2: $100.00 - $4,999.99; Tier 3: $5,000 - $24,999.99; Tier 4: $25,000 - $249,999.99; Tier 5: $250,000 or more. You must maintain the corresponding daily balance to obtain the disclosed APY. We use the daily balance method to calculate the dividend on your account. Accounts will be opened, and interest will accrue as of the date funding is received; funding must be received within 30 calendar days of account opening. Fees may reduce earnings. Thrive Money Market: Rates earned are based on balances, calculated daily, and credited to the account monthly. Separate checks and debit cards are issued to access this account. IRA Money Market Account: Rates earned are based on balances, calculated daily, and credited to the account quarterly.

12 Certificates: Your Certificate will automatically renew at the end of the term. GECU will send you a maturity notice prior to renewal. Upon maturity, if the same term is no longer offered, the certificate will automatically renew into the closest term and best rate available for that term.

Fees may reduce earnings. Subject to early withdrawal penalties. Please refer to the Account Disclosures at gecreditunion.org for all account information. 13Zero Liability: You agree to promptly notify the Cardholder Services, telephone number: 513.243.4328 or 800.542.7093 in the event you suspect any unauthorized use of the card. You will not be liable for unauthorized use that occurs after you notify GECU orally or in writing, of the loss, theft, or possible unauthorized use. 14Gold Reward: This card is subject to credit approval. New Gold cardholders have the opportunity to earn a $100 cash-back bonus upon making $1,000 in purchases within the first 90 days after account opening. When meeting the requirement, a $100 rebate will be applied as a statement credit the cycle after meeting the requirement. For each dollar charged on a qualifying purchase, and incurred finance charges in each billing period, on your GECU Visa Gold card, you’ll earn cash back. Cash back is based on a businesses’ MCC (Merchant Category Code) and are determined by the individual business and the category in which they reside. Qualifying purchases are purchases for goods and services minus returns and other credits. Qualifying purchases do NOT include: fees, balance transfers, cash advances, or purchases of other cash equivalents. Additional terms and restrictions apply. This rewards program is offered at the discretion of GECU and may be changed from time to time with or without notification. Full terms and details of the rewards program will be included with

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Learn more at: gecreditunion.org

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your card and can also be found at: gecreditunion.org/gold. 15Platinum Reward Points: This card is subject to credit approval. New Platinum cardholders have the opportunity to earn 10,000 bonus points upon making $1,000 in purchases within the first 90 days of account opening. The bonus points will be added to your reward point balance and will be identified as such on your statement, eStatement, or within Online Banking.

For each dollar charged on a qualifying purchase in each billing period on your GECU Platinum card, you’ll earn reward points. Points are based on a businesses’ MCC (Merchant Category Code) and are determined by the individual business and the category in which they reside. Qualifying purchases are purchases for goods and services minus returns and other credits. Qualifying purchases do NOT include fees or interest charges, balance transfers, cash advances, or purchases of other cash equivalents. Additional terms and restrictions apply. This rewards program is offered at the discretion of GECU and may be changed from time to time with or without notification. Full terms and details of the rewards program will be included with your card and can also be found at: gecreditunion.org/platinum. 16Visa Signature® Reward Points: This card is subject to credit approval. New Signature® cardholders have the opportunity to earn 20,000 bonus points upon making $2,500 in purchases within the first 90 days of account opening. The bonus points will be added to your point balance and will be identified as such on your statement, eStatement, quarterly rewards statement, or within Online Banking/mobile app. For each dollar charged on a qualifying purchase in each billing period on your GECU Visa Signature card, you’ll earn reward points. Points are based on a businesses’ MCC (Merchant Category Code) and are determined by the individual business and the category in which they reside. Qualifying purchases are purchases for goods and services minus returns and other credits. Qualifying purchases do NOT include fees or interest charges, balance transfers, cash advances, or purchases of other cash equivalents.

Additional terms and restrictions apply. This rewards program is offered at the discretion of GECU and may be changed from time to time with or without notification. Full terms and details of the rewards program will be included with your card and can also be found at: gecreditunion. org/signature. 17Exclusive Perks: Certain limitations, exclusions, and restrictions apply. In order for coverage to apply you must use your covered Visa Signature® Card to secure transactions. Benefits are subject to change at any time without notice. For more information on these benefits, please see Visa Signature® Guide to Benefits. 18Credit Card Fees: Regular APR applies; foreign transaction fee (for The Classic, Gold, and Platinum cards) is 1.5% of each transaction in U.S. dollars, foreign transaction fee for Visa Signature® is 0% of each transaction in U.S. dollars. There is a $10 or 3% of the amount (whichever is greater) fee to transfer balances from other credit cards to a GECU credit card; the current APR will be applied to the transferred balance. 19Business Reward Points: New Business cardholders have the opportunity to earn 20,000 bonus points upon making $5,000 in purchases within the first 90 days of account opening. The bonus points will be added to your reward point balance and will be identified as such on your statement, eStatement, or within Online Banking/mobile app. For each dollar charged on a qualifying purchase in each billing period on your GECU Business card, you’ll earn reward points. Qualifying purchases are purchases for goods and services minus returns and other credits. Qualifying purchases do NOT include fees or interest charges, balance transfers, cash advances, or purchases of other cash equivalents.

Additional terms and restrictions apply. This rewards program is offered at the discretion of GECU and may be changed from time to time with or without notification. Full terms and details of the rewards program will be included with your card and can also be found at: gecreditunion.org/ business. 20Home Loans: For qualified borrowers only. Limited to owner occupied, single family property in OH, KY, and IN. 21Home Equity: Limited to owner occupied, single family property in OH, KY, and IN. For qualified borrowers only. The minimum finance amount is $10,000. The loan must be for a primary residence only. Contact a tax advisor to determine their deductibility of interest. Property insurance is required to open plan.

22 Home Equity Line of Credit and Equity Rich Line of Credit: The term is 20 years; a 10-year draw period with interest only payments followed by a 10-year repayment period with principal plus interest, which may increase monthly payments. Consult a tax advisor for deductibility of interest. No application fee, closing costs, or pre-payment penalty. Property insurance required. 23Legal Services: Provided through CUSO Corp., a credit union service organization wholly owned by GECU and located in GECU’s Reading Road office. Legal Services is staffed by attorneys from the Cincinnati law firm Wood + Lamping LLP. 24Business Online Banking: We provide Online Banking and our mobile app for free; however, our enhanced Business Online Banking is available for a fee. 25ACH Origination and Remote Deposit Capture (RDC): Subject to approval; see account agreements for further information. A monthly service fee will be assessed for RDC. You must have an open GECU Business checking account to be enrolled in Business RDC and fees will be billed to that account. Fees may apply for additional services. Transaction and other types of fees associated with your checking account still apply. Business RDC requires a contractual agreement. Requires internet access, and internet service fees may apply.

26 Business Checking: You must deposit $25 to open a GECU business checking account. The account must be funded within 30 calendar days.

Fees may reduce earnings. Simply Free Business Checking: is a non-dividend-bearing account. There is no minimum balance required to maintain this account. Premier Business Checking: If your average daily balance is below $10,000, you will incur a $15 monthly maintenance fee. To earn dividends, you must have a balance greater than $10,000. The tiers are as follows: Tier 1 daily balance of $10,000 to $24,999.99; Tier 2 $25,000 or more. We use the daily balance method to calculate dividends on dividend-bearing accounts. Dividends begin to accrue no later than the business day we receive the deposit to your account. You will receive the accrued dividends if you close your account before dividends are posted. APY will vary due to the account activity and balance. 27Business Transactions: A transaction is a check paid, deposit processed, deposited item, debit card withdrawal, or ACH credits/debits. There is a $0.25 additional fee for transactions over the monthly allowance. 28Business Advantage Money Market (BAMMA): There is no minimum balance requirement to open this account. Funding must be received within 30 calendar days of account opening. Dividends begin to accrue no later than the business day we receive the deposit to your account. To earn dividends, you must have a balance greater than $0. Rates earned are based on balances, calculated daily, and compounded to the account monthly. Dividend rates are based on the account balance and account tier. The tiers are as follows: Tier 1 daily balance of: $0.01 to $24,999.99; Tier 2: $25,000 to $99,999.99; Tier 3: $100,000 to $499,999.99; Tier 4: $500,000 or more. All tiers are subject to variable rate pricing. Under no circumstance will the rate for any tier be less than 0.10%. Fees may reduce earnings.

Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license. Terms and conditions may apply.

FICO is a registered trademark of Fair Isaac Corporation in the United States and other countries.

Apple Pay® is a trademark of Apple, Inc., registered in the U.S. and other countries. Google PayTM is a trademark of Google, Inc. Samsung PayTM is a registered trademark of Samsung Electronics Co., Ltd. Fitbit is a registered trademark and service mark of Fitbit, Inc. Garmin Pay is a trademark of Garmin Ltd. or its subsidiaries.

Insured by NCUA

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Equal Opportunity Lender GECU NMLS #449875

KH2.25

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