Here are some easy ways to keep more money in your pocket
Reduce Non-Sufficient Funds and Overdraft Fees
Our free app keeps your account close at hand so you always know your balance. You can pay bills, deposit checks, and transfer money easily - all within the app.
Monitor your account balance, track your transaction history, and review eStatements anytime. Plus, you can transfer money and pay bills quickly and securely.
Be notified about various types of situations so you always know what's happening with your account. Set up alerts that tell you when your balance drops below a defined amount or when transactions occur above a defined amount. You're in control of the alerts you receive.
Set balance alerts via online banking or our mobile app by clicking "Alerts" in the main menu.
When you overdraft your GreenState checking account, your savings account can fill in the gap. Keep building up your savings so you can avoid costly overdraft fees. A $5 transfer fee applies instead of an overdraft fee, and money automatically transfers in $100 increments from your linked savings account. We can explain more details and help you link your accounts.
Reduce Non-GreenState ATM Fees
Look for ATMs we own or that are part of the nationwide network of 30,000+ surcharge-free Co-op ATMs.
Try to limit out-of-network ATM usage
If you're not near a free ATM, try to reduce the number of small cash withdrawals you make because the fees add up quickly. If you only need a small amount of cash, many grocery stores and gas stations offer cash back on debit purchases with no extra fee.
Reduce Postage and Paper Statement Expenses
Pay your bills electronically through Online Banking. It's a secure, easy way to manage and organize all your payments. It's available with any of our checking accounts.
Enroll in eStatements to receive a digital copy of your monthly statement sooner and more securely than by mail. This free service saves time, money, and paper. Online Banking automatically organizes and stores the previous 15 months of statements, too.
Common Account Fees and How to Avoid Them
Fee: $2.50 per transaction
When is this charged?
This fee is charged when you withdraw cash from an ATM that is not owned by GreenState or part of the CO-OP ATM Network. This fee is separate from and in addition to any surcharge charged by the owner of the ATM. These fees are aggravated and posted to your account as a single charge on the last day of the month.
Why is this charged?
GreenState incurs processing and network costs when members use ATMs outside GreenState and CO-OP ATM networks.
How can I avoid it?
Use a GreenState or CO-OP Network ATM. You can find surcharge-free ATMs nationwide on our Locations & Hours page.
Fee: $29.00 per item (Maximum of 5 fees per day for consumer accounts and 10 fees per day for business accounts.)
When is this charged?
When a transaction is returned unpaid because there are not enough funds available in the account.
Why is this charged?
To help cover the cost of processing returned transactions.
How can I avoid it?
- Monitor your account balance regularly.
- Sign up for Overdraft Privilege if eligible.
- Set up account alerts through Online Banking.
Fee: $3.50 per month
When is this charged?
At the end of each month for checking accounts that are not enrolled in eStatements.
Why is this charged?
To help cover the cost of printing and mailing paper statements.
How can I avoid it?
Enroll in eStatements through Online Banking:
- Log in to Online Banking.
- Select Services from the main menu.
- Choose eStatements and enroll.
Fee: Varies based on account type.
- $1.00 per withdrawal or transfer after 3 per month
- Regular Savings
- Youth Savings
- Non-Dividend Savings
- Escrow Savings
- $10.00 per withdrawal or transfer after 3 per month
- Investor Account Money Market
- $10.00 per withdrawal or transfer after 6 per month
- Impact Account Money Market
When is this charged?
This fee may be charged when the number of withdrawals or transfer from an account exceeds the free withdrawals allowed for that account type. Members who frequently incur this fee may want to discuss alternative account options with a GreenState representative.
Why is this charged?
Savings accounts are designed primarily for saving rather than frequent transactions. Excess withdrawal fees offset the administrative costs associated with excessive withdrawal activity.
How can I avoid it?
Use your checking account for routine spending and transactions whenever possible. You may also consider opening a Rainy Day Savings Account, for which transfer and excessive withdrawal fees are waived.
Fee: $29.00/Item (Maximum of 5 fees per day for consumer accounts and 10 fees per day for business accounts.) per item (Maximum of 5 fees per day for consumer accounts and 10 fees per day for business accounts.)
When is this charged?
When GreenState pays a transaction that overdraws your account through the Overdraft Privilege service.
Why is this charged?
To help cover the cost of processing overdraft transactions.
How can I avoid it?
- Set up Overdraft Protection by linking to another eligible account.
- Enroll in low-balance alerts through online banking.
- Monitor your account balance before making purchases or payments.
Fee: $5.00 (May include sales tax. Minimum transfer is $100.) (May include sales tax. Minimum transfer is $100.)
When is this charged?
These fees are applied when members use Overdraft Protection and funds are transferred from another account or eligible line of credit to cover a potential overdraft. Home Equity Lines of Credit (HELOCs) and Rainy Day Savings Account transfers are excluded from this fee.
Why is this charged?
To cover processing costs and to encourage responsible account management. Preventing overdrafts helps protect both our members and GreenState from potential financial losses.
How can I avoid it?
Sign up for a Rainy Day Savings Account, as transfer fees are waived on transfers from this account. Members can also set up account alerts in online banking to be notified when balances are low.