With three checking account options GEM still offers you the best value!

  • Only a minimum balance of $25.00 needed to open the account
  • 2 Boxes of Free GEM Checks per calendar year
  • Unlimited check writing privileges
  • Overdraft protection available through savings
  • Discretionary Courtesy Pay Check Protection (qualified members)
  • Pays highest dividend rate of all checking account options
  • Convenient ATM access using our Debit MasterCard (Debit Card)
  • Day or Night Account Information with Teller-Line Audio Response
  • Free Mobile Banking
  • Free eAlerts
  • Free Online Banking access
  • Free Online Bill Pay service
  • View and print digital copies of cleared checks online
  • Free E-Statements
  • $15,000+ Accidental Death & Dismemberment Insurance Coverage
  • Up to $1,250 cash for In-Hospital stays due to accident
  • Free Life Insurance (up to $1,000)
  • Free Money Orders
  • Free Notary Public Service

*$7.50 monthly service charge for regular GEM, $3.50 monthly service charge for Senior GEM (55 yrs. and older). Certain conditions apply on GEM Checking benefits. Contact the Credit Union for details.


Account Verification Every two years your credit union conducts a Verification of Accounts to maintain the financial integrity of members account records. The verification is being performed as of September 30, 2020 with assistance of auditors from Credit Union Resources, Inc. A notice of the verification is included with your statement. Please compare your statement with your records and report any differences in balances to: Credit Union Resources, Inc. Financial and Technology Services P.O. Box 655147 Dallas, TX 75265-5147 Or via email at: If you do not receive a statement, contact Credit Union Resources, Inc., Financial and Technology Services. When replying, please state your name, account number and the name of the credit union. If no errors exist you do not need to take any further action.