Welcome to GECU!

Quick Start Guide

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 products we offer and the services we provide. Whether you’re purchasing your first car or looking for a better way to bank, we will meet you where you are and help you thrive.

Thank you for choosing GECU to serve your financial needs.

Take it one step at a time.

Use this guide to learn more about the benefits available to you as a member of GECU, including: convenient checking accounts, low-rate credit cards, our top-rated mobile app, and more!

Get started with digital banking

Whether you prefer mobile, desktop, or tablet, we have you covered. Enroll through Online Banking or our mobile app—enrolling in one gets you access to both.1

Manage accounts online

Visit: gecreditunion.org and click Login at the top right of the page, the select Enroll Now. Create a username and password, then follow the on-screen instructions to verify your personal information.

Bank on the go

Download our mobile app by scanning the QR code using your smartphone or search for General Electric Credit Union in your app store. Open the app, select the Sign up button, then follow the on-screen instructions to verify your personal information.

If you need assistance, please contact us at: 513.243.4328 or 800.542.7093.

Member Support hours: Mon – Thur: 8 am - 5 pm, Fri: 8 am - 6 pm, Sat: 9 am - 2 pm

Pay bills

Reduce the pile of mail and manage all your bills in one place by scheduling payments with Bill Pay.2

Receive alerts

Customize account alerts and reminders within Online Banking and our mobile app.

Manage money

Track, manage, and analyze all your accounts and investments—from any financial institution—in one place with Money Management. Take advantage of free tools to: track spending patterns, create and follow budgets, set savings goals, and more!

Deposit money

Snap a photo of your check(s), select the account you want to deposit to, and wait for the confirmation. It’s that easy.3

Sample Score

Know your score

Stay on top of your credit. Log in to Online Banking or our mobile app to view your FICO® Score for free!4

Say hello to better checking

You deserve a checking account that gives you more control and real convenience! Like saving money automatically just by using your debit card and on-the-go access with our top-rated mobile app.

Our checking accounts are made with you in mind!

100,000 free ATMs/ITMs, nationwide5

Debit Card Controls

Open with just $25—online or at a branch

• Simply Free Checking

The perfect everyday checking account, ideal for those who are looking for a simple account packed with great features and no minimum balance.6

• Choice Checking

Want a checking account that makes you money? This competitive checking account is loaded with extras and lets you earn on your money.6

• Amplified High-Yield Checking

A high-yield checking account that earns dividends and refunds up to 10 out-of-network ATM fees each month.6

Find the perfect account for you

Scan the QR code or learn more at: gecreditunion.org/checking

Schedule an appointment online to visit a branch near you.

Checking account features you’ll love

Round-Up Program. Build your savings without having to think about it! Use your GECU debit card for everyday purchases and each day we’ll automatically round-up your transactions to the nearest dollar and transfer the change into your GECU savings account.

We’ll match 5% of your rounded up funds each month for an extra savings boost - applied directly into your account!7 Simply enroll in Round-Up at account opening or any time.

Overdraft Solutions. Our overdraft solutions keep you moving through your day—uninterrupted. We offer several ways to protect your account against unwanted overdrafts.

Pay the easy way

Mobile wallets are a contactless, secure, 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.

Access funds anywhere—for free

Life takes you many places; no matter where you go, your money is within reach at any of our 100,000 completely free ATMs/ITMs. Find locations near you on our mobile app or at: gecreditunion.org/atm. 5

Think beyond an ATM

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. You decide! Learn more and find ITM locations near you, at: gecreditunion.org/itm.

Save for anything that comes your way

You have a lot to save for—summer vacation, college, retirement, healthcare—and we have options to help you reach your short and long-term savings goals.

• High-yield savings 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. Plus, there is easy access to your funds with: Online Banking and our mobile app, a free GECU debit card, and money market checks.8

• Certificates

An alternative way to grow your savings is to open a certificate and earn higher dividends on your funds. With a variety of term options from three months to five years, this is a savings solution that just makes sense! We also offer Health Savings Account (HSA), Individual Retirement Account (IRA), Business, and Jumbo Certificates for more earning potential.9

• Individual Retirement Accounts (IRAs)

You can’t predict the future, but you can save for it. Grow your retirement savings with a tax-advantaged Traditional or Roth IRA.10 Looking for other ways to grow your retirement? We also offer IRA Certificates and an IRA Money Market account.

Learn more about our savings accounts at: gecreditunion.org/savings.

Choose a credit card that rewards you.

Whether you want a credit card with an unbeatable low rate, or a card that will reward you for every purchase, we have the perfect option for you.

• Low rates for purchases, balance transfers, and cash advances.

• Enhanced rewards and bonus opportunities.

• Access your FICO® Score, make payments, enroll in eStatements, view your available balance, redeem points, and customize alerts—for free—within Online Banking and our mobile app.4

The Classic

The all-the-time low rate card. Gold The unlimited cash back card.

Platinum

The unlimited points card.

Need credit for your business?

Visa® Signature

The 2x the points every card.11

With the Business credit card, you can easily manage business expenses and earn 2x the points with every purchase (see page 11).11

Compare our credit cards to find your best match Scan the QR code or learn more at: gecreditunion.org/credit-cards

Fund your next adventure

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! Including:

• A variety of Mortgage options

• Home Equity Loans and Lines of Credit

• Auto, Boat, and Motorcycle Loans

• Personal Loans

Have a new loan with us?

Find the best loan payment option for you, including how to setup automatic payments at: gecreditunion.org/payment-options.

Make sure you’re covered

If you recently purchased a car, an important next stop is confirming your insurance. Learn about Collateral Protection Insurance (CPI) and what steps you need to take to provide proof of insurance to avoid CPI. Learn more at: gecreditunion.org/cpi-insurance.

Get down to business

Choosing GECU for your business banking needs means you have a local partner who understands the community you serve. We partner with businesses and non-profit organizations of all various sizes, and we can create a custom tailored solution that precisely aligns with your unique needs.

• Business checking options for any size business and non-profits.

• Commercial lending solutions for all your business goals.

• GECU Business Visa® credit card, so you can easily manage expenses and earn 2x the points on every purchase.11

• Business Online Banking and mobile app for convenient account access.

• Remote Deposit Capture and Merchant Processing Services for easy payment acceptance and processing.

Scan the QR code or contact Business Services during business hours at: 513.588.1699/800.542.7093 x1669 or via email at: businessservices@gecreditunion.org.

Learn from the professionals

When you need advice for life’s major events—preparing for retirement, buying a new home, planning your estate—we’re here for you.

• Investment Services

Provided by GECU through CUSO Financial Services, L.P. (CFS)*

From wealth management to financial planning, we work with you to find an investment product that best meets your needs.

Interested in self-initiated buying or selling of stocks? Our CFS* Advisors can help you make smart decisions.

Learn more at: gecreditunion.org/investment-services

• Legal Services

Our alliance with Cincinnati-based law firm, Wood + Lamping LLP, offers guidance when navigating the challenges you may face.12

• Wills and estate planning

• Divorce/dissolution

• Elder law

• Real estate law

*Non-deposit investment products and services are offered through CUSO Financial Services, L.P. (“CFS”), a Registered Broker-dealer (Member FINRA/SIPC) and SEC-registered Investment Advisor. Products offered through CFS: are not NCUA/NCUSIF or otherwise federally insured, are not guarantees or obligations of the Credit Union, and may involve investment risk including possible loss of principal. Investment Representatives are registered through CFS. GECU has contracted with CFS to make non-deposit investment products and services available to Credit Union members.

The fine print

1Online 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. 2Bill Pay: Our unlimited Bill Pay service must be used in conjunction with a GECU checking account. 3Mobile Deposit: Funds are generally made available two days after deposit, but are subject to GECU discretion. Daily limits may apply. For details, please see the terms and conditions at: gecreditunion.org/disclosures. 4FICO® Score: Only available to members enrolled in Online Banking/mobile app with a consumer loan, credit card, personal loan, home loan, home equity loan, or Simply Free, Choice, or Amplified High-Yield Checking account. 5ATM 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-of-network ATMs. Review our Fee Schedule for details. 6Checking: You must deposit $25 to open a GECU 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 $0.01 to $1,499.99; Tier 2: $1,500 - $49,999.99; Tier 3: $50,000 - $249,999.99; Tier 4: $250,000 - $999,999.99; Tier 5: $1,000,000 or more. GECU will rebate Amplified accountholders up to 10 out-ofnetwork (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 7Round Up: Only available for Simply Free, Choice, and Amplified High-Yield Checking accounts. Funds will be added to member’s chosen GECU savings or money market account; excluding Certificates, IRAs, or IRA Money Market accounts. Match will be paid on eligible funds at the end of the month with an annual match limit up to $350; reportable on IRS Form 1099. 8Money 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. 9Certificates: 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; subject to early withdrawal penalties. GECU will send you a maturity notice prior to renewal. Upon maturity, the certificate will automatically renew into the same term at the prevailing rate available. Please refer to the Account Disclosures at: gecreditunion. org for all account information. 10GECU does not provide tax advice: Please consult your tax advisor for actual advantages and any potential tax implications before establishing or making contributions to an IRA. 11Reward Points: Credit cards are subject to credit approval. For each dollar charged on a qualifying purchase in each billing period on your Visa® Signature or GECU Business 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. 12Legal 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.

FICO and ‘The score lenders use’ are registered trademarks 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.

Insured by NCUA | Equal Opportunity Lender | GECU NMLS #449875

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