Banks La Crosse

Banks in La Crosse provide convenient financial services for all clients, covering needs such as bills payment and money safekeeping. But while all banks for La Crosse residents generally operate in a similar way, each offers unique benefits that can make choosing one a little difficult to do. This is a valid dilemma that can fortunately be solved with thorough research.

Questions to Ask When Choosing Among the Different Banks for La Crosse Residents

Selecting from the many banks in La Crosse is a vital decision to make. A comprehensive review must be made so your final decision on which among the banks in La Crosse to transact with is the right one for you. Assess all your prospective banks in La Crosse using the following questions:

Which Among the Banks in La Crosse Have Reasonable Charges?

Banks in La Crosse charge differently based on the type of transaction or service you are looking for. Depending on how much you are willing to pay, the transaction rates can affect your choice among the banks in La Crosse. It’s vital to ask a representative about their charges first so you are not caught unawares after opening an account with them.

How Much Are Banks in La Crosse Charging for Overdraft Fees?

Many banks in La Crosse and all over the country offer overdraft protection programs where the bank covers for purchases that exceed your current funds. Based on a report by the Consumer Financial Protection Bureau (CFPB) , some people pay up to seven times the average in overdraft fees from banks. La Crosse residents should keep this in mind before opening an account.

When choosing among the many banks in La Crosse, look for ones that offer more reasonable overdraft policies. Ask the representatives from your prospective banks in La Crosse if you can link your checking account to your savings. By making your other account the primary source for overdraft coverage at a smaller fee, you can avoid excessive overdraft payments.

How Accessible Are the Banks in La Crosse From Your Home or Workplace?

Among the many banks in La Crosse to choose from, select the one that you can visit without undue stress on your part. This may mean your first choice should be among the banks in La Crosse that are closer to your home. You can also opt for banks in La Crosse that are around your workplace if you want to do your transactions before or after work hours.

In addition, choose banks in La Crosse that have a digital or online banking option. This can save you the hassle of waiting in line for simple transactions such as money transfers or bills payments. Easy access to your prospective banks in La Crosse, whether in person or online, will help you accomplish more without wasting time.

Should You Choose Credit Unions Instead of Banks in La Crosse?

The biggest banks in La Crosse are the most obvious options for you if you live in the area, but credit unions are also steadily gaining ground for their more reasonable rates and top-tier customer services. Unlike big banks for La Crosse citizens, local credit unions typically do not have investors, and thus charge lower fees.

In addition, credit unions function in almost the same way as banks. La Crosse residents that are looking for maximum returns with significantly lower fees and loan rates can opt for them instead. You can also take the third option: open accounts in both credit unions and banks in La Crosse for maximum benefits and flexibility.

Be a Member of Governmental Employees Credit Union

If you are looking for a financial institution that will help you manage your finances easily without the high fees found in most banks in La Crosse, G.E.C.U. is your top choice. We have various services available that can help you keep track of your money more efficiently. Reach out to us today to learn more.

Making Everyone Count Since 1931

Credit unions are known as a great alternative to banks. These institutions offer accounts with lower fees and loan rates. They’re also owned by their customers, that’s why they offer better deals. If you want the idea of a customer-owned financial institution, joining a credit union might be the right choice for you.

Many credit unions offer a lot of benefits. However, not all of them are able to provide their customers with a great experience. If you want to make sure that you get great deals and satisfying customer service, join Governmental Employees Credit Union (G.E.C.U.). We offer great financial services while making sure that our customers feel valued. 

Open an Account With Us

Like any other bank, we also give our clients the privilege to open a bank account for their funds. Whether it’s a checking or savings account, G.E.C.U. makes sure to provide you the one that’s perfectly tailored to your lifestyle and needs. 

• Checking Accounts

At G.E.C.U., we don’t just provide great checking accounts. We also give you a lot of rewards with Kasasa Cash! You can choose between three options. 

The first option we have is the free Kasasa Cash Checking account with a high-interest reward. The second is a free Kasasa Cash Back Checking account with 2.25% cashback on purchases using your debit card. The third is the Free Kasasa Tunes Checking account, which gives you digital credits for apps and music purchases. Whichever you choose can be opened in minutes, too. Hassle-free, right? 

• Savings Accounts

Here, we offer you a lot of savings account options for you as well. 

• Basic Savings Account

This marks your membership with us. You’re only required to deposit a minimum of $5 to open your account.

• Elite Money Market Account

When you choose this account, the higher your balance is, the higher the interest rate you’ll get. You won’t get any maintenance fee if your balance is amounting to or more than $2,500.

• Health Savings Account (HSA)

With this account, you can prepare for medical expenses you might have in the future. You can also enjoy triple tax saving where you’ll have tax-free withdrawals for any medical expenses and earnings. 

• Certificates of Deposit (CDs)

Having trouble with saving money? This option is for you, then. Fixed-rate earnings for your term of choice. 

• Christmas Club

This type of savings account is created especially for your holiday funds. It also helps keep you away from having debts during the holidays.

• Individual Retirement Accounts (IRAs)

In this type of savings account, you’ll be able to secure your retirement and earn revenues at a higher rate.

Apply for a Visa Credit Card

At G.E.C.U., we help you expand your purchasing power by providing a globally-accepted credit card. We have competitive rates, low annual percentage rate (APR), and there are no annual fees! Apply with us now.

Pursue Your Dreams With Us

Everyone has the right to education. That’s why here in G.E.C.U., we offer a $500 scholarship to our members. The qualifications are simple; you just have to be a member and you must be already accepted or attending your school of choice.

Other than the two eligibility requirements, you should also submit three documents: your accomplished application form, a scholarship essay, and an autobiography that contains your school activities, awards, employment, and community service records. Apply now.

Secure Your Future With the Friendly Credit Union

Since 1931, we have been making every customer feel that they’re a part of the company; each of them is the partial owner of G.E.C.U. We assure you that we will continue making our customers feel that way. 

Our friendly and accommodating staff will strive to personally know you by name. As La Crosse’s friendly credit union, we enjoy doing business with our clients in the friendliest way that we can. If you want to be a part of the family and experience our customer service, talk to us now.