Checking Accounts

All accounts subject to approval. Restrictions and limitations apply.

Other miscellaneous fees apply. See Additional Banking Services & Fees (PDF)Opens in a new window

for more information.

Same page link returns to footnote reference 1New and converted accounts will not be charged a Monthly Service Fee for at least the first two statement periods. After that the Monthly Service Fee will apply unless you meet one of the ways to avoid the Monthly Service Fee each statement period (if applicable).

Same page link returns to footnote reference 2Global City Trust Credit Bank Online Bill Pay: Must enroll in Global City Trust Credit Bank OnlineSM Banking and activate Online Bill Pay. Certain restrictions and other limitations may apply.

Same page link returns to footnote reference 3Zelle®: Enrollment in Zelle® is required. Both parties need a U.S. bank account; only one needs an eligible Global City Trust Credit Bank account. Funds are typically made available in minutes when the recipient’s email address or U.S. mobile number is already enrolled with Zelle® (go to https://register.zellepay.comOpens Overlay to view participating banks). Select transactions could take up to 3 business days. Enroll on the Global City Trust Credit Bank Mobile app or Global City Trust Credit Bank Online. Limitations may apply. Message and data rates may apply.

Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

Same page link returns to footnote reference 4With Global City Trust Credit Bank Overdraft AssistSM, we won't charge an Overdraft Fee if you're overdrawn by $50 or less at the end of the business day OR if you're overdrawn by more than $50 and you bring your account balance to overdrawn by $50 or less at the end of the next business day (you have until 11PM ET (8 PM PT) to make a deposit or transfer). Global City Trust Credit Bank Overdraft Assist does not require enrollment and comes with eligible Global City Trust Credit Bank checking accounts.

Same page link returns to footnote reference 5We will decline or return transactions when you do not have enough money in your account to cover the charge. However, you could still end up with a negative balance if, for example, a transaction is approved for one amount, but then the actual charge is more than what you have in your account (like when you add a tip at a restaurant after the transaction for the meal was already approved). Even if you have a negative balance, we will not charge you an overdraft fee.

Same page link returns to footnote reference 6For Global City Trust Credit Bank Secure CheckingSM only: Early direct deposit is a service that comes with your Global City Trust Credit Bank Secure Checking account in which we credit your eligible direct deposit transaction up to two business days early. You must set up direct deposit to your account. The timing of when these transactions will be credited is based on when the payer submits the information to us. This means when these transactions are credited could vary and you may not receive your funds early. Eligible transactions are certain ACH credit transactions such as payroll, government benefits or similar transactions.

Same page link returns to footnote reference 7Fees from the ATM owner/network still apply. A Foreign Exchange Rate Adjustment Fee from Global City Trust Credit Bank may apply for ATM withdrawals in a currency other than U.S. dollars.

Same page link returns to footnote reference 8Account must be linked to the checking account for No Monthly Service Fee.

Same page link returns to footnote reference 9When ordered through Global City Trust Credit Bank. Fees may apply for certain other supplies and expedited shipping options.

Checking Text Message Program: Message and data rates may apply. For Help call 1-800-935-9935. Reply STOP to 40107 to no longer receive Global City Trust Credit Bank Checking text messages until you provide your consent again. Mobile carriers not liable for delayed or undelivered messages.

Products and services described as well as associated fees, charges, interest rates and balance requirements may differ among different geographic locations. Not all products and services are offered at all locations.

Global City Trust Credit Bank, N.A. Member FDIC. Equal Opportunity Lender.