Free Checking

Yes, TRULY Free Checking.

Finally, a free checking account that is truly that – free. But not only are Great Basin FCU’s checking accounts free of monthly fees, they’re also free of the hassle, hoops, and fine print that you may find elsewhere. No strings. No surprise. Just a simple checking account designed with you in mind.
All Great Basin Checking Accounts Include…
Man and woman sitting side by side on couch using computer and looking at documents
How can we help you?
What We Offer

Checking Options

Free Checking

Our basic checking account. Enjoy a simple checking account with no monthly fees and no fine print.

Free High Yield Reward Checking

A checking account with a little something special. Earn up to 4.25% APY* on your balance up to $15,000. We’ll also reimburse you for ATM fees, up to $5 per month. Still, there are no monthly fees and no strings attached.

To qualify for a High Yield Checking Account you need:
  • To be enrolled in estatements
  • To make at least 15 debit card purchases per month
  • To be enrolled in direct deposit or have one ACH or bill pay transaction per month

Overdraft Protection

We get it. Overdrafts happen. Whether you want us to cover everything, cover just your bill payments, or cover nothing, we’re here to help take the stress out of swiping your card.

Early Pay Day

Payday comes early when you sign up for direct deposit! Give your employer your account and routing number and receive your paycheck up to TWO days sooner.

Want to Take the Next Step?

Open your checking account 24/7 with our online application.

Take it from our members.

Must maintain a minimum $25 in a Primary Savings for the life of the account; this is your share of ownership in the credit union. Membership open to those that live, work, worship, own a business or attend school in select counties in Northern Nevada and Treasure Valley, Idaho.

Free Checking Information: We were serious. There isn’t any fine print.

Rewards Checking Information:

Monthly Qualifications for Cash Back and High Yield Rewards:

  • Must elect to receive monthly statements electronically;
  • Must have a minimum of one (1) Automated Clearing House (ACH) credit or ACH debit post and clear the checking account during the month; and
  • Must have a minimum of fifteen (15) debit card transactions (excluding ATM transactions) post and clear the account during the month.

Even when qualifications are not met, there is no monthly fee. See fee schedule.

*High Yield Checking: APY = Annual Percentage Yield. When your qualifications are met during a month (1) balances up to $15,000.00 receive APY of 4.25%; and balances over $15,000.00 earn 0.05% interest rate on the portion of the balance over $15,000, resulting in a range from 0.05% to 4.25% APY depending on the account’s balance and (2) you will receive reimbursements up to $5.00 for nationwide (domestic) ATM fees incurred on your Rewards Checking account during that month in which you qualified. When qualifications are not met, all balances in the account earn 0.01% APY and ATM fees are not refunded. Dividends and ATM fee reimbursements will be credited to your High Yield Checking account on the last day of the qualifying month. APYs accurate as of 02/01/2023. Dividends paid by using the average daily balance method. Rates and rewards are variable and may change after account is opened. Fees may reduce earnings.

Additional Information for Rewards Checking Accounts Account transactions and activities may take one or more days to post and settle to the account and all must do so during the calendar month in order to qualify for the account’s rewards. The following activities do not count toward earning account rewards: ATM-processed transactions, transfers between accounts, non-retail payment transactions and purchases made with debit cards not issued by our credit union. “Monthly Qualification Cycle” means one calendar month. Account approval, conditions, qualifications, limits, timeframes, enrollments, and other requirements apply. No minimum deposit is required to open the checking account. At least 1 automatic payment (ACH) or direct deposit or bill pay transaction and enrollment of electronic statements are conditions of these accounts. Limit 1 Rewards Checking account per primary member Social Security Number. There are no recurring monthly service charges or fees to open or close this account. Contact one of our Member Service Representatives for additional information, details, restrictions, processing limitations and enrollment instructions. Federally insured by NCUA.

+Free Cash Back Checking no longer offered on new accounts. For details about an existing Free Cash Back Rewards Checking, see the About Your Account Disclosure you received at time of opening.

You are now leaving Great Basin Federal Credit Union

Great Basin Federal Credit Union provides links to web sites of other organizations in order to provide visitors with certain information. A link does not constitute an endorsement of content, viewpoint, policies, products or services of that web site. Once you link to another web site not maintained by Great Basin Federal Credit Union, you are subject to the terms and conditions of that web site, including but not limited to its privacy policy.

You will be redirected to

Click the link above to continue or CANCEL

Ready to Apply?

Please click below to follow the link to our secure loan application.

Ready to Apply?

Please click below to follow the link to our secure loan application.

Ready to Apply?

Please click below to follow the link to our secure loan application.

Ready to Apply?

Please click below to follow the link to our secure loan application.

Ready to Apply?

Please click below to follow the link to our secure loan application.

Holiday Closings 2023

  • Christmas

    Monday, December 26, 2022

  • New Year's Eve

    Monday, January 2, 2023

  • Martin Luther King Jr. Day

    Monday, January 16, 2023 (as well as Saturday, January 14th)

  • President’s Day

    Monday, February 20, 2023 (as well as Saturday, February 18th)

  • Memorial Day

    Monday, May 29, 2023 (as well as Saturday, May 27th)

  • Juneteenth: National Independence Day

    Monday, June 19, 2023

  • Independence Day

    Tuesday, July 4, 2023

  • Labor Day

    Monday, September 4, 2023 (as well as Saturday, September 2nd)

  • Nevada Day

    Friday, October 27, 2023 (as well as Saturday, October 28th)

  • Veterans Day

    Saturday, November 11, 2023

  • Thanksgiving Day

    Thursday, November 23, 2023

  • Family Day

    Friday, November 24, 2023 (as well as Saturday, November 25th)

  • Christmas Day

    Monday, December 25, 2023