You are never too young to start practicing good financial habits!

Designed for teens and young adults ages 15 - 23, this checking account provides a way to practice money management skills and financial independence. Accountholders will also have access to a wide variety of educational materials, information and products to help them make smart financial decisions.

Features:

View Current Rates

Checking/Savings Account Rates

Effective Date: Tuesday, October 14, 2025

*APY = Annual Percentage Yield. All dividend rates and APY may change at any time, as determined by GLCU Board of Directors. The APYs shown above assume that all principal and dividends remain on deposit for the entire term. Fees could reduce earnings on the above accounts. Penalties apply for early withdrawal from Share Certificates and Santa Saver Accounts. Additional account information is provided in separate Account Disclosures.

**Balances up to $10,000 will earn the stated dividend rate and the portion of the balance over $10,000 will earn the standard savings dividend rate. Dividends will be paid on ONE Ultimate Checking Account per member. Fees could reduce earnings. Also applies to Young Adult Ultimate Checking Account.

Minimum requirements to earn dividends:

1. Maintain a monthly Direct Deposit of $500.00 or more

2. 10 Debit Card purchases per month totaling $100.00 or more - signature purchases only, no Returns, PIN or ATM. Purchases must be posted to the account during the month to count toward the 10

3. You must be enrolled in eStatements, and an active user of GLCU's online Bill Pay or Mobile Banking

Ultimate Checking Monthly Requirements

Ultimate Checking Monthly Requirements

If You Have...You Will Receive
  • $500 Direct Deposit AND
  • 10 Debit Card Purchases totaling $100 or more* AND
  • eStatements AND
  • Pay one bill per month via Bill Pay* OR Login to Mobile Banking once per month*
  • 3.00% APY* Reward on Balances up to $10,000
  • Up to $5 ATM Rebate per Month
  • No Monthly Fee
  • No Minimum Balance Required
  • $500 Direct Deposit OR
  • 5 Debit Card Purchases*
  • No Monthly Fee
  • No Minimum Balance Required
  • None of the Above
  • $5 Monthly Fee

Ultimate Checking Reward Counter

If you're signed up for GLCU WebConnect, our online banking service, you'll be able to track your progress each month to make sure you meet the requirements for your Ultimate Checking reward.

Simply log into your WebConnect account, and you'll see your progress in an easy-to-read chart on the account summary screen.

Ultimate Checking Reward Counter

Monthly ActivityCurrent MonthLast Month2 Months Ago
Direct Deposit000
Debit Card Purchases000
Debit Card Purchase Amount000
eStatementsyesyesyes
Bill Payyesyesyes
Mobile Bankingyesyesyes

*APY = Annual Percentage Yield. The APY is accurate as of November 2, 2017. The dividend rate and APY may change at any time. No minimum balance required to earn the 3.00% APY. Monthly requirements to earn 3.00% APY: $500 monthly direct deposit, a minimum of 10 Debit Card purchases (returns, PIN or ATM transactions not included), be enrolled in eStatements, pay one bill via Bill Pay OR login to Mobile Banking once per month. Balances up to $10,000 will earn the stated rate and the portion of the balance over $10,000 will earn the standard savings rate. Fees could reduce earnings. Terms and conditions may vary.