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checking/draft accounts

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Our basic checking/draft account has no minimum balance requirements, no monthly fees, and includes free online account access and bill payer. 

D1- Basic Checking/Draft Account

  • No Minimum Balance
  • No Monthly Fee 
  • No Per Check/Deposit Charge
  • Over 30,000 Surcharge Free ATMs

D2 - Checking/Draft Account with IDSafeChoice

  • No Minimum Balance
  • IDSafeChoice for only a $1.00 per month
  • No Per Check/Deposit Charge
  • Over 30,000 Surcharge Free ATMs Nationwide

IDSafeChoice protects you if you fall victim to identity theft for any reason. For a low $1 per month fee. IDSafeChoice includes:

  • Your own personal recovery advocate
  • Comprehensive research and recovery plan
  • Complete documentation of all incidents of fraud
  • Forms completion, filing and follow-up
  • Advocate contacts all agencies, institutions, etc.
  • No time limit – complete restoration

Along with the features listed above, when you open any draft (checking) account with GFCU, you also benefit from the following additional features:

  • Free MasterMoney Debit Card
  • Free Home Banking
  • Free Bill Payer Service
  • Free eStatements
  • Free Phone Access-T.E.D 
  • For members age 55+, 1 FREE box of checks each year.

Reorder checks here

Direct Deposit

You can have your payroll, veterans, supplemental security, social security, or other payments directly deposited into your Guthrie FCU checking/draft or savings account.  Simply provide the payer with the Guthrie FCU routing number (231388494) and your checking/draft or member account number.  Your checking/draft account number can be found at the bottom of your checks.

The U.S. Department of the Treasury recently announced a new initiative to increase electronic transactions. This initiative requires that you receive your Veterans, Supplemental Security, Social Security, and Railroad retirement funds electronically by March 1, 2013. Get more information.

OverDraft Protections

Guthrie FCU offers two options to help you avoid overdraft and insufficient funds fees.  Ask about our automatic transfer option, which transfers money from your savings account to your checking/draft account automatically in the event of an overdraft.  There is a fee for each transfer, get more information on transfers.

We also offer an overdraft line of credit.  In the event of an overdraft, the amount will be drawn from the line of credit instead of being denied and incurring fees.  The balance on the line of credit will incur interest at your approved loan rate.  Get more information.