Checking Accounts - Granite State Credit Union

What's better than FREE Checking?

Move Life Forward with a GSCU Checking Account!

A GSCU Checking Account delivers free access to:

Visa^® Debit Cards
OnLine Banking
Mobile Banking
Bill Pay
Mobile Deposit
Access to over 30,000 ATM's
Direct Deposit

ROUTING NUMBER: 211489494

To open a checking account, a minimum of a $10 deposit is required. A savings account must be open with a $10 pledge balance in order to open additional accounts. Please see rates for more information.

"GSCU has low interest rates, kind staff, and local feel. I love being able to get a debit card printed at a branch if I lose mine or need a new one. GSCU services have suited me over many years and I couldn’t be happier!"

Member Testimonial

Checking with benefits

Open a GSCU Checking Account and register your GSCU Visa^® Debit Card for uChoose Rewards^® to receive 2,500 BONUS points!* Earn points for cash back, event tickets, gift cards, and more, as a thank you from GSCU!

*Membership in uChoose Rewards® is free for Granite State Credit Union (GSCU) Visa® Debit Card holders. Registered cardholders will earn one point for every $3.00 spent each time they use their GSCU Visa® Debit Card. It can take up to 60 days for your points to be credited to your account. You must accumulate at least 1,000 points before you can redeem your points. Points can be redeemed online for cash back, gift cards, travel rewards, PayPal purchases or merchandise by visiting www.uchooserewards.com. Unused points expire three years after issuance. Primary account owner must be a U.S. resident and eligible for uChoose Rewards® Program. The value of points/rewards is subject to change. Redemption of uChoose Rewards® Points constitutes acceptance of these terms and conditions. The promotion begins August 1, 2024. To qualify for entry, participants must open a new Granite State Credit Union checking account with a Visa® Debit Card and enroll the card in our uChoose Rewards® program within 30 days from account opening.. 2,500 Bonus points (estimated value of $25) will be applied within 60 days of meeting the qualifications. Void where prohibited by law. By participating, entrants agree to be bound by these official rules.

Visa® Debit Cards

Access funds anywhere with a GSCU Visa® Debit Card

GSCU Visa^® Debit Cards give you access to your Checking account anywhere Visa is accepted!

INSTANT-ISSUE CARDS

Members can receive a new card instantly by visiting a branch or via mail by calling us at 1-800-645-4728. These cards feature contactless technology which allows you to make payments by swiping, inserting, or tapping your card where contactless payments are accepted.

custom cards

Get a card that matches your style! Customize your card by uploading an image of your choice and reviewing the design before submitting it.

Image Guidelines

Granite State Credit Union reserves the right to determine, in its sole discretion, whether a submitted image will be accepted. All images submitted must have the consent of the owner, including those images downloaded from the internet. We will not accept images that may contain any of the following:

Competitive marks or names
Political or religious imagery and statements
Illegal or socially unacceptable groups
Provocative or sexual content, including nudity
Profanity or obscenities
Alcohol or tobacco
Violence, firearms, weapons, or ammunition
Branded names or products
Advertising, promotional text, slogans, copyrighted or trademarked material
Celebrities, athletes, musicians, public figures, etc.
Phone numbers or URLs
Any reference to Visa® sponsorship property, such as the Olympics® or NASCAR®
Any content that might result in problems at point of sale or interfere with security features of the card
Any content that might infringe, denigrate, or dilute the Visa® brand or its member financial institutions

Note: This list is not exclusive and Granite State Credit Union retains the right to decide that any submitted image is not to be used.

Images that do NOT meet the above guidelines will be rejected and you will be notified. You may then submit another image. For more information, contact us anytime at 1-800-645-4728.

Start Designing Your Custom Debit Card

Start Designing Your Custom ATM Card

Custom Card FAQ's

Please note if you are replacing an existing GSCU Debit or ATM card with a custom card you will receive a new card number. If you have reoccurring bills set up, upon receipt and activation of your new card, you will need to contact the vendor initiating the bill payment and switch the transaction to your new custom card information. There is a fee of $9.95 per card design you submit. You may update your picture as frequently as you like.

DEBIT TRANSACTION CONTEST

Use your GSCU Visa^® Debit Card now through November 30^th for a chance to win $1,500!* To be entered, use your GSCU Visa Debit Card 15 times, or spend $750 now through the end of the month!

LET'S GET STARTED:

GO DIGITAL! Register your GSCU Visa Debit Card with your device’s Mobile Wallet Solution.
MAKE IT YOUR FIRST PICK! Set your GSCU Visa Debit Card as your default card for online shopping.
GO SHOPPING! Whether it's groceries or you're getting a head start on holiday shopping, don’t forget your GSCU Visa Debit Card.

*Participation is limited to U.S. residents age 18 or older. Employees and volunteers of Granite State Credit Union (GSCU), and their immediate household are ineligible to participate or win. The promotion period runs from November 1, 2024 through November 30, 2024. To enter, participants must use their GSCU Visa debit card as a point of sale transaction at least 15 times or make purchase(s) totaling $750 or more during the contest period. Eligible transactions must post to account by 11:59PM on November 30, 2024 in order to qualify. Each point of sale transaction processed with a GSCU Visa debit card and posted to the account during the contest period will count towards the required criteria to win. Only one entry to win allowed per cardholder once criteria is met. All eligible entries have an equal chance of winning. Odds of winning are based upon the number of entries. One winner will be randomly selected and notified on December 2, 2024. The $1,500 prize will be deposited directly into winner’s checking account linked to the debit card used to process winning transaction(s). Winner must complete tax form W-9 in branch within 30 days of December 2, 2024, or such person shall forfeit the prize and an alternate winner will be selected. Tax form W-9 will be provided by GSCU. Entrants agree to allow GSCU to use his or her name, likeness, and information of their submission in any GSCU publication, including GSCU’s website, social media pages, and in-branch displays. By participating, entrants agree to be bound by these official rules. Winner agrees to hold GSCU, its directors, officers, employees, and agents harmless. This promotion is not sponsored, endorsed, administered by, or associated with Facebook, Instagram, Twitter, Pinterest, or LinkedIn. Void where prohibited by law.

Early Direct Deposit* Mobile Wallet Solutions Overdraft Protection uChoose Rewards®

Your money may be available up to two days early with Direct Deposit at GSCU!

Employers often process payroll a few days before payday and rather than wait to give you access to your funds, Granite State Credit Union empowers you with access to your money sooner. That way you can use those funds for the big stuff you need to cover and the little stuff you don’t want to miss out on!

Take advantage of this early access for funds from your:

Payroll
Social Security
Retirement
Benefit Checks
Pension Checks

Take better control of your bills! You can also arrange to have your account automatically debited to make pre-authorized payments, such as a monthly gym membership, by providing the credit union's routing number and your checking account number to the vendor.

*Pending electronic direct deposits are available up to two business days earlier when GSCU receives the funds via the Automatic Clearing House (ACH) database. GSCU does not assume any liability for funds not depositing into the account early.

Set up direct deposit with social security

Tap, pay, and be on your way with Mobile Wallet Solutions!

Take advantage of enhanced security, convenience, and a faster checkout experience when paying online, in-person, or with your smartwatch.

Apple Pay® Google Wallet® Samsung Wallet®

Peace-of-mind with an Overdraft Line-of-Credit

No more "oops" moments swiping your card without the funds to cover the transaction available in your account. With an Overdraft Line-of-Credit you can avoid overdraft fees and use as much, or as little, as you need. Lines available up to $5,000, with an annual fee of $25, and minimum payments based on your line usage.

Apply Now

Shop, earn and choose your reward with uChoose Rewards!

Earn one (1) point for every $3.00 spent with your GSCU Visa^® Debit Card on qualifying transactions.

Redeem for:

Cash back to your GSCU account
Merchandise
Travel
Gift cards
Event tickets
And more!

*Membership in uChoose Rewards® is free for Granite State Credit Union (GSCU) Visa® Debit Card holders. Registered cardholders will earn one point for every $3.00 spent each time they use their GSCU Visa® Debit Card on qualifying debit and credit transactions. It can take up to 60 days for your points to be credited to your account. You must accumulate at least 1,000 points before you can redeem your points. Points can be redeemed online for cash back, gift cards, travel rewards, PayPal purchases or merchandise by visiting uChoose Rewards®! Unused points expire three years after issuance. Primary account owner must be a U.S. resident and eligible for uChoose® Rewards Program. The value of points/rewards is subject to change. Redemption of uChoose Rewards Points constitutes acceptance of these terms and conditions.

EnFact Fraud Protection

No matter how careful you are with your financial records, criminals may still find ways to access your card information. To ensure your Debit/ATM card is protected, we use the leading fraud prevention service called EnFact. This service helps protect you from fraudulent activity by monitoring your normal spending patterns to help identify suspicious activity.

There are multiple reasons a transaction can be flagged as potentially fraudulent. This may include sudden changes in purchase locations, an increased frequency in high dollar transactions, or your card being used unexpectedly overseas or in a foreign country. Once EnFact identifies the transaction as suspicious, the EnFact automated system will contact you to verify the transaction in question. Your response to this call is critical to prevent potential risks and avoid restrictions we may place on your card in an effort to protect the account. If you confirm that the transaction is not legitimate, the card is immediately blocked to prevent fraud from recurring.

ENFACT CALLING

Our automated Contact Center will ask you to verify recent transaction activity on your card.
They will also ask you to verify your identity and provide your 5-digit zip code.
The Contact Center will provide a toll-free number to call if you have any additional questions.
EnFact does not ask members to validate their identity by asking for social security numbers or a date of birth. EnFact will also not ask for Debit or ATM card numbers.

ENFACT TEXT AND EMAIL ALERTS

Our fraud monitoring network, Enfact, watches for suspicious or unusual transactions, and if a suspicious transaction appears on your card, you will receive a text asking if it's legitimate. You can simply respond "YES", "NO", or "HELP".

In addition to text alerts, emails will also be sent with instructions on how to confirm a legitimate transaction or report it as fraud.

PROTECT YOURSELF

Ensure your contact information is up-to-date in case EnFact needs to contact you.
If you will be traveling, please provide us with the dates of travel, countries you will be traveling to, and a good phone number where you can be reached while traveling.
Update your mobile phone contacts to include the EnFact Call Center in case you need to follow up with them while traveling.
Safeguard your ATM/Debit card and PIN.
Utilize CardControl features to enhance account security and control your card's usage.
Monitor your statements regularly for suspicious activity.
Lost or stolen cards should be reported immediately by calling 1.800.472.3272.
Carry a backup form of payment.

ORDER CHECKS

Login to OnLine Banking
Login here
Have your account information ready
You'll need your account number and GSCU's routing number - 211489494
Select Checking Account
Select the account you'd like to reorder checks for

Select "More Actions"
This is found under "Account Details"
Then select "Reorder Checks"
This will bring you to Harland Clarke to process your order

Note: Initial orders and order updates must be completed at a branch or by calling 1-800-645-4728.

Reorder checks today!

Account Comparison Basic Checking Account Advantage Checking Account

Compare Checking Accounts

Basic Checking

Advantage Checking

Basic Checking

Advantage Checking

Minimum Deposit to Open

$10

Basic Checking

Advantage Checking

Minimum Balance to Earn Dividends

n/a

$1,000

Table data for Basic Checking Rates
Effective 11-21-2024
Deposit Required to Open Account	Minimum Required to Earn APY	Dividend Rate	Annual Percentage Yield (APY)
$10	N/A	N/A	N/A

Rate may change after the account is opened and is subject to change without notice. Dividends are compounded monthly and will be credited to your account monthly. Fees and other conditions could reduce the earnings on these accounts. Please refer to our separate Schedule of Fees and Truth in Savings disclosure for more information. Available upon request.

Table data for Advantage Checking Rates
Effective 11-21-2024
Deposit Required to Open Account	Minimum Required to Earn APY	Dividend Rate	Annual Percentage Yield (APY)
$10	$1,000	.05%	.05%

$10	$10,000	.05%	.05%

$10	$25,000	.05%	.05%

Rate may change after the account is opened and is subject to change without notice. Dividends are compounded monthly and will be credited to your account monthly. Fees and other conditions could reduce the earnings on these accounts. Please refer to our separate Schedule of Fees and Truth in Savings disclosure for more information. Available upon request.

Checking

What's better than FREE Checking?

Checking with benefits