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Home > Bank > Checking Accounts > GEMC Federal Credit Union Spark Checking

Spark Checking

GEMC Federal Credit Union’s (GEMC FCU) responsive online service provides our members with extensive money management tools right at their fingertips. Not only are all of these services free with your account, we’ll even reward you for using them! With Spark Checking, you can receive a dividend rate of 2.00% APY* for using your online banking account!

Qualifying is simple - if you make a monthly direct deposit of at least $700, are enrolled in Online Banking, receive our E-Statements, actively use your VISA Debit Card, and write 10 or less checks per month, you’re qualified! So take advantage of this amazing dividend rate by signing up for Spark Checking today.

And as with all GEMC FCU Checking Accounts, Spark Checking comes with a free VISA Debit Card and many added features, including:*

  •  A Host of Electronic banking options including:
  • No minimum balance or monthly maintenance fees
  • Surcharge Free ATM services through over 55,000 ATMS across the country*
  • Overdraft Protection

*See Rate and Fee Schedule

*APY Annual Percentage Yield Rates effective 1/2014. Rates subject to change. 2.00% APY earned on the first $1,000 in account. Account balances over $1,000 will earn the standard checking account rate, currently 0.05% APY. Minimum opening deposit is $100. In order to qualify, account holder must have a minimum monthly direct deposit of $700 per month, enroll in Web Account Access and E-Statements, use their GEMC FCU debit card at least one time per month, and write no more than 10 checks per month. If account holder fails to meet the requirements of the account a $10 monthly fee will be assessed. Fees could reduce the earnings on the account.

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