Frequently Asked Questions
There is no monthly service fee for GrowGreen or Free Checking. There is a $4.75 + tax monthly fee for Access Checking.
Non-GreenState ATMs are assessed a $2.50 usage fee per transaction. GreenState partners with CO-OP to offer 30,000+ free ATMs nationwide. Find the free ATMs close to you.
There is a $3.50 monthly fee to receive paper statements. Members can avoid this fee by opting to receive free e-Statements instead. Learn how to sign up for e-Statements.
Call (888) 891-2435 anytime to update your PIN Number. You can review the steps and questions asked by the automated system here.
Dividends are calculated on your checking account's average daily balance for the month and paid out on the last day of the month.
Anyone living or working in Iowa, or nearby counties in Illinois, Wisconsin, Nebraska or South Dakota.
- Illinois counties: Jo Daviess, Carroll, Whiteside, Rock Island, Henry, Mercer, Knox, Henderson, Warren, Hancock, DuPage, Will county North of I-80
- Wisconsin counties: Crawford, Grant, Lafayette
- Nebraska counties: Dakota, Thurston, Burt, Washington, Douglas, Sarpy, Cass, Otoe
- South Dakota counties: Union, Lincoln, Minnehaha, Moody, Brookings
You can also join if you are a University of Iowa student, staff, or alumni; or a direct relative of a current member.
To order checks online login to online banking or the mobile app and visit the Services > Check Reorder link in the main menu.
You can also order checks by calling us at 800-397-3790 or stop into a branch and we will be happy to order checks for you.
You can locate free ATMs in our Branch & ATM locator map.
GreenState members enjoy surcharge-free access to over 30,000 ATMs nationwide with the CO-OP ATM network.
If you are not yet a member, you will need to open a share savings account with a minimum $5 deposit. Members can open a checking account with a $50 initial deposit. You can open an account at any branch location, or by applying online.
New checking accounts are subject to credit approval, employment status, and valid identification that is at least 90 days old.
On checks for your account - Your checking account number is between GreenState's routing number and the incrementing check number.
Example of where routing and checking number is found on a check
Online banking - Navigate to the page where you can view your account's recent transactions. Click the option that says "Details". In the details that appear, your checking account number is listed as "MICR Account Number".
Where to find checking account number online
You will need your member number (also referred to as your account number) and social security number to get started. See our Online Banking sign up instructions for a step by step guide.
273975098
The routing number can also be found on your member card and in the footer of GreenState's website.
If you have opted in for overdraft protection, GreenState Credit Union will cover your overdrafts for a fee of $29 - $34 per overdraft (Maximum of 5 items per day). Visit our Overdraft Privilege page to learn more about overdrafts and to request changes to how they're handed for your account.
No.
No. But interest will accrue on card balances if you do not.
Yes, and we can keep your account numbers the same so that debit cards do not need to be reissued. Just call us at (800)-397-3790 or stop by your local branch.
No. Just call or stop in and we will link it to your new GrowGreen Checking account.
GrowGreen Checking: APY is Annual Percentage Yield. Rate is subject to change after the account is opened. 0.05% APY paid on funds exceeding those amounts if qualifiers are met. If qualifiers are not met, 0.01% APY will be paid on all balances. Fees may reduce earnings on the account. Requirements to earn the premium yield each month include 1) Fifteen or more purchases with your GreenState credit or debit card with a minimum of $15 per transaction. If a member makes 15 qualifying purchases with their credit card, they will earn the credit card yield. 2) An ACH / Direct Deposit or ACH withdrawal of at least $500 must post and clear the account (internal transfers excluded). 3) $1,000 average daily balance maintained. If average daily balance of $1,000 or more is met, interest will be paid on the entire average balance. Overdraft/returned item fees may apply. $50 initial deposit required. Offer is for one checking account per individual. Credit card and debit card must be listed under the same account as the GrowGreen Checking to qualify. Personal accounts only. Membership required with a minimum $5 share deposit. New checking account is subject to credit approval, employment status, and valid identification that is at least 90 days old. A combination of qualifying debit and credit card purchases may be used to earn the debit card yield.
For Debit Cards or Debit/Credit Combinations:
- 3.00% APY paid on balances up to $19,999
- Account holder must be 16 years of age to be paid interest using a debit card and 18 years of age to be paid interest using a credit card or combination of credit card and debit card
- Transactions must post and clear within the calendar month
For Credit Cards:- 4.00% APY paid on balances up to $19,999
- Account holder must be 18 years of age or older to be paid interest
- Transactions must post to the card between the first day of the month and the second-to-last day of the month.
- Transactions posted on the last day of the month will be applied to the next month’s totals
- Any points earned on the credit card will still accrue even if these requirements are not met
e-Statements are free for all GreenState checking accounts. Members who opt to receive paper statements for their checking account will be charged a paper statement fee of $3.50 per month.
APR is Annual Percentage Rate. All credit cards are subject to approval. See Rate & Fee Information for GreenState Credit Cards. Membership required with a $5 Share Savings deposit.
Make $500 in purchases within 2 months with a Platinum Rewards Mastercard and you’ll receive 15,000 bonus points. Cash that in for $150 or bank it for bigger rewards later. All loans are subject to approval.
Merchants who accept Mastercard credit cards have an assigned merchant code that is determined by the merchant or its processor based on the kinds of products and services they primarily sell. GreenState makes every effort to identify relevant merchant codes that fit into one of the bonus points categories of purchases. A purchase will not earn extra bonus points if the merchant’s code is not eligible. In some cases, even though a merchant may sell items that fit within a bonus category, if the merchant does not have a merchant code in that bonus category the purchase will not earn extra points. Purchases made through third-party payment accounts, mobile card readers, mobile wallets or other similar technologies may not qualify for bonus points if the technology is not set up to process the purchase with a merchant code that has been identified as falling within a bonus points category. The accepted MCC codes by category are: Gas: 5169, 5172, 5541, 5542; Grocery: 5411, 5422, 5441, 5451, 5462, 5499; Airlines: 3000–3299, 4511; and Hotels: 3501–3834
Make $1000 in purchases within 2 months with a new GreenState World Mastercard and you'll receive 25,000 bonus points. Bonus points are awarded to new World cardholders on their first two monthly statements if purchase minimum is met.
GreenState Credit Union does not charge for the mobile app or text alerts, however your cell phone carrier may charge for text and data usage.