Checking Accounts & Debit Cards

Checking Accounts from Go Energy Financial

Let’s get you set up with the right checking account for your lifestyle.

We offer three types of checking: Basic, Dividend, and Spark. Here’s a list of the features available with all Go Energy Financial checking accounts.

Checking Features

  • Free VISA debit card
  • No minimum balance or monthly maintenance fees
  • 24-hour account access with online banking
  • Surcharge-free ATM services through over 55,000 ATMs nationwide
  • Mobile check deposit with the Go Energy Financial mobile app
  • Free bill pay, e-statements and direct deposit
  • Mobile card management with Card Valet™

Overdraft Protection

Don't overlook this extra for your checking account. We’ll help you by transferring funds from savings into checking to cover the amount needed to avoid a bounced check or declined card transaction. See the Fee Schedule.

Checking Account Types from Go Energy Financial

Basic Checking

Checks. No monthly fee. No dividends. Guess that’s about it.

See why we call it Basic? But it’s a great choice for most members!

Dividend Checking

It acts like a checking account, but also earns dividends when you keep a minimum daily balance of $500. That’s a nice extra.

Spark Checking

So, we hear you’re not much of a check writer. You still need a checking account, though— to power your debit card, to make payments, and as a place to stash deposits. Spark Checking is designed with you in mind!

Here’s how it works: Set up a monthly direct deposit of at least $700. Enroll in online banking and sign up for e-statements. Use your debit card once per month or more and write fewer than ten checks each month. Doable? If yes, then you’ll earn a nice dividend on your balance.

VISA Debit Cards from Go Energy Financial

No cash? No problem.

Worldwide Purchasing Power with Zero Interest

VISA Debit cardZero, zip, zilch. Use your Go Energy Financial VISA debit card everywhere VISA Debit is accepted. And, really, that’s pretty much everywhere. Your card is tied directly to your Go Energy Financial checking account, so purchase amounts and ATM withdrawals pull from your checking balance. The card is free and there are no interest charges like with a credit card. Use it online and in real life!

5,000+ ATM Locations in the U.S.

Need cash? Our ATM networks offer thousands of surcharge-free locations nationwide. And look for stores that let you get cash back with your purchase. Choose the debit option, enter your PIN at checkout, and you’ve saved yourself a trip to the ATM. If you don’t need cash back, select the credit payment option and you won’t need to enter a PIN.

Find ATM Locations

Report Lost or Stolen Cards

VISA Credit Card
(800) 299-9842

Debit Card
(800) 472-3272

ATM Card
(470) 514-3000

VISA Debit Card Services

Card Valet for Debit and Credit Cards

Card Valet works through your mobile device and helps protect your cards by sending you alerts and letting you define when, where, and how your cards are used.

  • Receive alerts whenever your payment cards are used.
  • Establish transaction controls for dollar amount limits, merchant categories, transaction types and geographic locations.
  • Safeguard your cards: Turn them off if they're misplaced or stolen and back on when you're ready to use them. That is some master-level magic right there.

VISA Account Updater (VAU)

Wouldn’t it be nice not to have to manually update your renewed card number with the stores and merchants that have your card on file for recurring payments? The VISA Account Updater is a free service and is automatically activated for Go Energy Financial VISA cards.

Whenever you receive a new or renewed VISA card, your old card information automatically updates to the new card number and expiration date.

Otherwise… Our Opt-Out Option

If you would rather manually update your card, you can opt out of the VISA Account Updater service. Please complete the form to assume responsibility for notifying stores and merchants with any updated information regarding your card.

Opt Out of VISA Account Updater