Convenience is yours with the CashPlu$ ATM/Debit Card! This is a remarkably versatile card that lets you access the funds in your GECU checking account with the convenience and acceptance of MasterCard.^® Save time at the register with the CashPlu$ ATM/Debit Card; it’s a great way to save time at the gas station too… just swipe your card at the pump!

Use it anywhere MasterCard is accepted. And, while it looks like a credit card, it's not. GECU’s CashPlu$ ATM/Debit Card automatically deducts purchases from your GECU FREE or Premium FREE Checking account. No credit is advanced, so there are no interest charges. An additional benefit of this card is that you can use it at places that don’t normally take personal or out-of-town checks, but do accept MasterCard.

You can use it to:

• Pay at the pump
• Buy movie tickets
• Pay for dry cleaning
• Buy groceries
• Purchase new clothes
• Pay for a round of golf
• And, so much more!

This card also doubles as your ATM card, giving you access to your account at thousands of ATMs worldwide.

"Credit or Debit?"

You may hear the grocery store cashier ask this question when you are checking out. While the CashPlu$ ATM/Debit Card is a debit card, when you say “debit” you are required to enter your four-digit PIN (personal identification number). When you say “credit” you can sign the receipt as if it were a credit card. There is an advantage to both. We recommend you say “credit” in most cases because by doing so, you don’t have to enter your PIN, and, therefore, are protecting it better and guarding against fraud. If, however, you would like extra cash back (a good way to avoid the ATM surcharge), you will need to say “debit” and you can enter an amount above your purchase amount and get the difference back in cash.

Helpful Ways to Avoid ATM Fees and Surcharges:

• Use a GECU ATM and it is totally free.
• Use an ATM in your area that doesn’t surcharge. GECU is part of two surcharge free networks. The Alliance One Network is a national surcharge-free ATM network that does NOT surcharge GECU members. Anytime you use an ATM with the Alliance One symbol, you will not be surcharged for your transaction. GECU members can also make cash withdrawals at any 5/3^rd Bank ATM without being surcharged. They have over 2,300 ATM locations in 12 states across the country. Click here to find ATMs in the Alliance One network and 5/3^rd Bank ATMs in your area.
• Get extra cash back. When you use your debit card at the grocery store, or other merchants that allow you to use a debit card with your PIN, you can ask to get extra cash back from your purchase. You simply enter an amount higher than your purchase amount and they will give you the difference in cash.
• Take out enough cash for the week or pay period. By taking out a larger sum, you'll cover your cash needs for the week and can avoid multiple trips to the credit union or surcharge-free ATMs. This is also a good tip to follow if you do have to use an ATM that surcharges.
• Mail-in your deposits to our main office location: 10485 Reading Road, Cincinnati, OH 45241, set-up Direct Deposit (if offered by your employer), use the night deposit boxes at select branches, or use our Express Boxes, located in our Reading Road and Mason office lobbies. Most ATM owners are now surcharging for making deposits into their ATM.

*When using a foreign ATM within the Alliance One network, occasionally machines will display a standard surcharge message on the screen during your transaction. Despite seeing this message, Alliance One network members will not actually pay this surcharge when the transaction is processed through the network. This list is updated continually and is up to the institution who owns the ATM to notify the Alliance One network of any changes. Please check your account to confirm this surcharge has not been charged to your account.