*Offer available with valid promo code. First direct deposit must be made into checking account within 30 days of opening it. Active Checking indicates you have activated your debit card and enrolled in digital banking. All qualifications (total deposit amount, debit card, digital banking) must be met within the 25-days of the first qualifying direct deposit (“foundation period”). New checking only; can select Free Checking or High Yield Checking product. If a member has an existing savings account, and adds a checking, they can earn a bonus if they meet qualifications above. Direct deposits are payroll (including pension and social security). Deposits that are not from employer do NOT qualify (example Venmo, PayPal, Square, Zelle and bank ACH transfers not from the member’s employer). A single incentive will be paid per
qualified account number regardless of the number of individual members on the account. Promo may end at any time. Offer not valid for members with an existing checking account. All qualifying direct deposits will be totaled in the 25-day period and the total will determine the bonus.  Example: three qualifying direct deposits of $400 each within 25 days would qualify member for $100 bonus.  Bonus to be paid within the first 3 business days of the month following the foundation period end date, if qualified. A member may only qualify for one bonus tier and will not be eligible for future bonus payments if Direct Deposits subsequently increase after the foundation period. GBFCU reserves the right to exclude any members from
participating in the new checking bonus promotion for any reason, including suspected fraud, misuse, or if suspicious activities are observed. GBFCU also reserves the right to stop or change the promotion at any time. Membership open to select counties in northern Nevada and the Treasure Valley (Idaho).

**Early Pay Day offers an immediate credit of your direct deposit to your account up to two (2) days early depending first and foremost on timing of payer’s (example: employer’s) submission of deposits into our Automated Clearing House (ACH) database. Other factors affecting early pay day could be due to limitations we set on the amount of early availability and standard fraud prevention screening. Not all direct deposits are eligible for Early Pay Day. We recommend that you do not write checks or authorize any other withdrawals against your directly deposited funds until you verify that they have been posted to your account. Early availability of direct deposits is not guaranteed and may vary from deposit to deposit. Great Basin Federal Credit Union cannot assume any liability for not depositing these funds into your account early. ** Eligible direct deposits are limited to electronic direct deposits of your payroll, pension, and government benefit payments made through the Automated Clearing House (ACH) network. Other deposits or credits to your account, such as deposits of funds from person-to-person payment services (e.g., Zelle®, Venmo, or PayPal transfers), check or mobile deposits, and other online transfers or electronic credits are not eligible for Early Pay Day.

^APY=Annual Percentage Yield. 4.50% rate available to members who open a High Yield Checking account. 4.50% will be paid on balances up to $15,000. Qualifications and rewards may vary by account. Monthly Qualifications Include: (1) Have at least 15 debit card purchases post and settle, (2) Have at least 1 automatic payment (ACH) or direct deposit or bill pay transaction post and settle, and (3) Be enrolled in eStatements. Limit 1 Reward Checking per primary member Social Security Number. There are no recurring monthly service charges or fees to open or close this account. 

^tBased on NCUA National Credit Union Average Checking Account Interest Rate. June 2023.

Minimum $25 required in primary savings for the life of the membership; this is your share of ownership in the credit union and must be opened with/prior to the checking account. Member deposits are insured up to at least $250,000 per individual depositor by the National Credit Union Administration (NCUA).