Regular Personal Checking

If you keep a moderate checking account balance, our regular checking is ideal for you. Business Woman Shopping

  • No-Fee VISA Debit Card with Scorecard Rewards
  • No per check fee
  • No minimum balance requirement
  • Low monthly service fee
  • No-Fee ATM* access through the CO-OP and Allpoint networks
  • Online Check Reorder

In addition to Personal Checking, discover Benefits Plus Rewards Checking! For a small monthly fee, you can take advantage of our unique checking program called Rewards Checking.  With Benefits Plus you have

  • No minimum balance required
  • Unlimited check writing with no per check charge
  • Free personalized checks
  • Cash back - enjoy savings on groceries, gasoline, dining out and more
  • Travel & entertainment benefits
  • $4.50/mo under 50 or $3.50/mo for over 50 

GHS Personal Checking

  • No-Fee VISA Debit Card with Scorecard Rewards
  • No per check fee
  • No-Fee checking (debit) card
  • No monthly service fee
  • No-Fee ATM* access through the CO-OP and Allpoint networks
  • Online Check Reorder

To qualify you must have any one of the following:

  • Direct deposit
  • $1,000 average daily balance in checking or
  • A combined balance of at least $2,000 within the same member number.

Money Market Accounts

If you want to maximize your earnings, but still need easy access to funds, our Money Market Account with check access is ideal for you. This account pays dividends and allows for limited check writing and transfers. In addition, you will enjoy the following features:

  • No monthly service charge with minimum balance of $2,500
  • Write up to three checks per month
  • Monthly dividends
  • No early withdrawal penalty

GHS FCU VISA Debit Card With Scorecard Rewards!

Reward yourself!  Get 1 point for every $2 purchased!VISA DEBIT

Each purchase you make with your card earns you valuable Bonus Points you can redeem for brand name merchandise and exciting travel rewards.  Visit, you'll be amazed at the merchandise available. Choose from categories like Appliances, Lawn and Garden and Sporting Goods, and from brand names like Black & Decker®, Nike®, and Toshiba®. You can also search for awards by Bonus Points level, so you will always know how many more Bonus Points you'll need for that "must have" reward. Once you've earned enough Bonus Points to redeem, you can send in your order online or through regular mail. It's that easy! 

When it comes to travel, ScoreCard® has something for every preference and every Bonus Point level. 

Tired of digging for the checkbook, running out of checks, looking for ID and waiting for check approvals while you're standing in line at the store? If so, it's time to take advantage of the convenient features of the GHS VISA Freedom Debit Card. A Freedom Debit Card is a combination debit card and ATM card all rolled into one. You can use the card at merchants instead of writing checks - the money comes out of your checking account. 

Use the card to access your savings or checking account at ATMs around the world. You can access your money, surcharge free, at any ATM displaying the CO-OP and Allpoint Network* logos. 

To find a No-Fee ATM click here*. 

Verified by VISA

Verified by Visa can protect your existing GHS Visa card and Freedom Debit Card for use on the Internet with a personal password, giving you reassurance that only you can use your card online.  Click here to learn more and for instructions on how to enroll. 


Direct Deposit

Simplify your life and finances by having your paycheck or other recurring checks automatically deposited into your credit union account. Your money is available immediately - no lines, no waiting, no worry of lost checks. Members who use direct deposit also earn extra benefits. 

In order to sign up for direct deposit at GHS you will need the GHS routing number: 221373707 

*LocatorSearch™ attempts to provide you with the most current information for each location.  Some institutions may have changed processors or have moved locations. This transition period may cause a discrepancy in the locations and available services reported.