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A dividend-earning checking account with a bonus feature of earning a bonus dividend rate on your Money Market when you bundle it with your Dividend+
Compare our great Spend (checking or checkless) Accounts to find the one that’s an ideal fit for you
Check balances, make transfers and payments, deposit checks, find us.
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Prepare for the unexpected.
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Our members have access to thousands of surcharge-free ATMs nationwide.
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Pay others easily and securely.
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 Compare Spend Accounts |
 Basic Spend Account |
 Simple Spend Account |
 Dividend+ Spend Account |
| Account Requirements | None | None | Minimum $500 Direct Deposit; Debit Card; Online Statements |
| Monthly Fee | ✘ | ✘ | ✘ |
| Minimum Balance to Open | ✘ | ✘ | ✘ |
| Debit Card | ✔ | ✔ | ✔ |
| Courtesy Pay | ✔ | ✘ | ✔ |
| Line of Credit Available | ✔ | ✔ | ✔ |
| Earns Dividends | ✘ | ✘ | ✔ |
| Minimum to Earn Dividends | ✘ | ✘ | $5,000.00 |
| Earn Bonus Rate on Money Market | ✘ | ✘ | ✔ |
| Minimum to Earn Bonus Dividends | ✘ | ✘ | $5,000.00 {average daily balance} |
| Ability to Order Checks | ✔ | ✘ | ✔ |
| Cashier’s Checks | ✔ | ✔ | ✔ |
| Counter Checks | ✔ | ✔ | ✔ |
| Wires | ✔ | ✔ | ✔ |
| Minimum Balance Fee | ✘ | ✘ | ✘ |
| Paper Statement Fee | ✘ | ✘ | ✘ |
| Courtesy Pay Fee | Up to $25.00/item | ✘ | Up to $25.00/item |
| NSF Fee | $25.00/item | $25.00/item | $25.00/item |
| Free Online/Mobile Banking | ✔ | ✔ | ✔ |
| Free Online Bill Pay | ✔ | ✔ | ✔ |
| Free Online Statements | ✔ | ✔ | ✔ |
| Free Mobile Deposit | ✔ | ✔ | ✔ |
Introducing Granite’s Dividend+ Spend account, a dividend-earning checking account with an additional feature of paying a bonus dividend rate on your Granite Money Market account. Our Dividend+ Spend account has all the great features of a basic spend (checking) account but it pays you dividends when you have a balance of $5,000 or more. PLUS, when you maintain an average daily balance of $5,000 or more in your Dividend+ account, you’ll also receive a bonus dividend on top of the current market rate on your Money Market account. Compare the different features in the chart below. Granite Credit Union is always there so you can…get more from your money.
Already a member? If you want to upgrade your current checking account to a Dividend+ account, simply give us a call at 888-GCU-TEAM (888-428-8326) or stop by a branch. It takes about 30 seconds to switch.
| Minimum Balance | Rate | APY |
|---|---|---|
| $0 | 0.000% | 0.00% |
| $5,000 | 0.200% | 0.20% |
| $10,000 | 0.300% | 0.30% |
| $25,000 | 0.399% | 0.40% |
| $50,000 | 0.499% | 0.50% |
| $100,000 | 0.995% | 1.00% |
| $250,000 | 1.982% | 2.00% |
*APY is Annual Percentage Yield. Dividends are compounded and credited monthly based on the daily balance formula. All deposit rates are variable. Minimum balance requirements apply. Contact a Member Service Representative for details. Federally insured by NCUA.
Truth-in-Savings/Fee Schedule
Membership Account Agreement
Funds Availability Policy
No monthly fee
Completely liquid funds
Visa debit card
Pay others instantly with Zelle®
Get cash from thousands of ATMs nationwide
Federally insured by NCUA for up to $250,000 or more
Most of us work hard for our money, so, at Granite, we work hard to make sure you have easy access to make the purchases needed to make life happen. Our no-fee spend account comes with a debit card so you can swipe, tap or insert to securely make your purchases.
Need cash or to pay with a check? We’ve got you covered. You can order a book of checks or stop by for a cashier’s check for those one-off instances. As a member of Granite, you’ve also got access to our nationwide network of ATMs so you can withdraw cash when and where it’s most convenient for you.
Oh, and did we mention your account is insured up to $250,000?... Well, it is.
Overdraft Protection
Pay others instantly with Zelle®
Get cash from thousands of ATMs nationwide
Similar to a checking account, but without the checks, our Simple Spend account gives you easy access to your money whenever you need it. It’s a great starter account option helping youth ages 12-18 learn how to budget. If you haven’t been eligible for traditional checking accounts, are an ITIN holder, or just want to avoid the possibility of fees, Simple Spend is the way to go. This account features:
No checks
No fees
Free Visa spend (debit) card
Free online bill pay
Free online banking and mobile app
Pay others instantly with Zelle®
Get cash from thousands of ATMs nationwide
Direct deposit option
Granite has made making safe and affordable access to high-quality financial products and services for all a top priority. In 2022, we were awarded a BankOn National Account Standards certification for our Simple Spend account, designed to help establish and improve the financial stability of unbanked or underbanked individuals. In 2023, we received the Juntos Avanzamos designation for our efforts to reach out to the Hispanic community in the Salt Lake area.
Cash is clunky and can be easily lost. A Granite Credit Union spend card comes free with your Spend Account so you can access your funds electronically and make the purchases you need to make life happen.
We’re always there, so when you use your card worldwide, wherever Visa is accepted, you’ll have the peace of mind that comes with Visa’s Zero Liability Policy.
Our spend cards are designed to be swiped, inserted, or used contactless to make buying super convenient.
So, whether you shop in person or in your pj’s, we’ll make it safe and simple to buy the things you need.
If your card is lost or stolen, or if you suspect unauthorized use, please call us immediately at 1-888-GCU-TEAM.
Safe & secure purchasing
Control your card with the MobiMoney App
Get cash from thousands of ATMs nationwide
Managing bills and payments can sometimes feel overwhelming. Online Bill Pay through Granite Credit Union can help you organize and easily manage your monthly bills.
From our online or mobile banking sites, you can schedule one-time or recurring payments to be made from your Spend Account. You can even set up reminders and connect directly to certain providers like the cable or electric company.
A little setup will save you time and hassle each month, and you can count on us to deliver the payments on time.
Login to online banking today and choose Online Bill Pay from the services menu.
A free service with your GCU Spend Account
Schedule payments to anyone, anywhere
Worry-free, on-time guarantee
There are still some things you may need to write a check for. We’ve got you covered. Order securely by logging in to Online Banking. In the hamburger menu (3 lines at the top of the website), click on “Order Checks” under “Services.” Select the suffix of your account as prompted. You’ll be directed to our partner website that will guide you through ordering a book of personal checks.
