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ATM Finder

AllianceOne
Nationwide Service Center
  •  alliance one logo



    Alliance One, a nationwide group of select-surcharge ATMs, gives you the power to access your money on your own terms.  Using any one of the 4800 convenient ATMs in 40 states, Puerto Rico and the District of Columbia, you can access your accounts without being charged a fee. After all, shouldn't that money be yours to keep?  Click Here to find an Alliance One ATM near you.

     

  • New CO-OP image

    New Share Branch Logo CO-OP

    About CO-OP Shared Branching
    CO-OP Shared Branch share a network with credit unions all over the country, allowing members to share thousands of convenient locations to perform transactions just as if they were in their home credit union. Whether you are at work, home, visiting relatives stateside, attending college or just enjoying some much-needed vacation time away, your credit union is always nearby. And best of all, it's totally free for all Greater Kentucky Credit Union members

    How it works
    It's simple. Over 1,300 credit unions worldwide are part of the CO-OP Shared Branch network. That means anywhere you see the CO-OP logo, you can conduct business as usual. Our shared network gives you access to over 5,000 locations in 47 states, Puerto Rico, Japan, South Korea, Italy and Germany. And these numbers keep on growing.

    Anywhere you see the CO-OP Shared Branch logo you can conduct a range of transactions, such as:

    • Deposits
    • Withdrawals (Some cash limits may apply)
    • Loan Payments with loan coupon
    • Make transfers between accounts


    To take advantage of this service, when you enter a CO-OP Shared Branch lobby you only need to bring:

    • Your credit union's name
    • Your account number, i.e., deposit slip, checkbook Your home credit union's name
    • Valid government-issued photo identification, i.e., state driver's license or U.S. Passport

    Please Note: Shared Branching transactions must be conducted inside participating Credit Union lobbies.

    Enter your zip code below to find a CO-OP Shared Branch near you.

                  

    Branch Locator
    Zip:

Courtesy Pay FAQ

What is Courtesy Pay
What is the difference between Overdraft Protection Transfer and Courtesy Pay?
What is my Courtesy Pay limit?
Is there a fee for Courtesy Pay?
What types of transactions are covered by or qualify for Courtesy Pay?
Why am I being asked to opt-in to Courtesy Pay for ATM and everyday debit card transactions?
Why should I opt-in to Courtesy Pay for ATM and everyday debit card transactions?
How do I opt-in to Courtesy Pay for ATM and everyday debit card transactions??
  • Courtesy Pay is an overdraft service we offer to pay items presented against your checking account when your account balance is not sufficient to do so. Instead of returning the transaction to the merchant for non-sufficient funds (NSF), we pay it and overdraw your account.

    Courtesy Pay covers life's unexpected emergencies and saves you from merchant NSF fees, interruption of services and the embarrassment and inconvenience associated with returned or declined items.

  • Overdraft Protection Transfer and Courtesy Pay are two completely separate overdraft services offered by Greater Kentucky Credit Union.

    Overdraft Protection Transfer allows funds to be transferred from a previously linked GTKY CU account, such as savings, money market or a line-of-credit, to pay an item. Overdraft Protection Transfer will NOT allow the account to overdraw (go into a negative balance) to pay an item. Overdraft Protection Transfers are subject to Federal Regulation D, meaning you can only have 6 electronic transfers from a savings or money market account per month for protection. Notify us which account(s) you wish to designate for Overdraft Protection Transfer.

    Courtesy Pay is a service which pays items which would otherwise be returned as NSF if the funds are not available in your account or overdraft protection transfer can no longer protect you. If you have established an Overdraft Protection Transfer source, we will attempt to pay an overdraft using this method before paying your overdraft utilizing Courtesy Pay.

  • You receive a Courtesy Pay limit of up to $700 after your account has been in good standing.

  • There is no cost for Courtesy Pay unless you use it. There is a per item fee each time an item is paid through Courtesy Pay (see Fee Schedule).

  • Courtesy Pay is automatically activated after your checking account is opened for the following types of transactions:
    • Checks and other transactions made using your checking account number
    • ACH
    • Bill Pay

    Beginning August 15, 2010, we do not authorize and pay overdrafts utilizing Courtesy Pay for the following types of transactions unless you opt-in for this service:

    • ATM transactions
    • Everyday debit card transactions
  • Recent regulations require members to opt-in to continue to receive Courtesy Pay overdraft protection services on ATM and everyday debit card transactions beginning August 15, 2010. Courtesy Pay for other transactions, including check, ACH, Bill Pay and other transactions made using your checking account number, will not be affected.

  • There are many reasons why you might want to opt-in to Courtesy Pay for ATM and everyday debit card transactions, including:

    • Provides Security. In difficult times, your transaction may be approved when you need money to pay for unexpected expenses.
    • Increased Convenience. Your purchase is approved when you have insufficient funds in your checking account, rather than denied.
    • Eliminates Embarrassment. Avoid the awkwardness of a merchant declining your transaction.
    • Nothing to Lose. There is no fee if you never use the service, however all the protection remains.
  • Complete and submit the ATM and Debit Card Courtesy Pay Opt-In Form by visiting our website www.gtkycu.com, call 859-231-9300 ext:1102 or stop by at any of our locations to Opt-in.

     

  • Membership Application
  • Credit Card/Auto/Home Loan Application
  • Checking/Savings/CD Account Application
  • Debit Card Application
  • Debit Card Overdraft Protection Form
  • Employment Application
  • Address Change Form
  • ACH Origination Form
  • Member Satisfaction Survey
  • Skip-a-Pay Form
  • Direct Deposit Form
  • VISA Balance Transfer Form
  • Line of Credit Advance Voucher
  • Stop Payment Form
  • Wire Transfer Form
  • Volunteer Application
Regular Savings
Certificates of Accounts
Money Market Investment
Individual Retirement Account (IRA)
Club Accounts
  • A Regular Savings Account* is the basic account that all members open to establish membership with Greater Kentucky Credit Union. As a member you are also an owner, and this account represents your share in Greater Kentucky Credit Union and entitles you to take advantage of any of our accounts and services. Your account earns competitive quarterly dividends based on the credit union's performance, which are often higher than interest paid elsewhere. We encourage all members to save more which has proven to keep credit union expenses down, which in turn, provides a greater return to the members.

    $10.00 Minimum to open
    Instant Issue MasterCard Debit Card available for a low fee
    No Monthly Service Fees
    Earns Quarterly Dividends on balances greater than $50.00
    FREE CU 24/7 Online Access
    FREE Mobile Banking
    FREE CALL-24 Access
    FREE 24-hour ATM Access at thousands of Alliance One Networks
    Earn Rewards thru ShopAmerica

    *Some restrictions apply. 
    Refer to Disclosure and Fee Schedule for details.

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    Useful Links

    Savings Calculators
    Savings Rates
    Relationship Pricing

    Learn more about a Credit Union Membership 
    Direct Deposit Form
    Click Here For Terms and Conditions

    ncua blue 250k gif
    Greater Kentucky Credit Union accounts are federally insured to at least $250,000 by the National Credit Union Administration, an agency of the United States Government.
    Learn more about NCUA insurance.
    Share Insurance Estimator
    Your Insured Funds Brochure

  • Certificate of Accounts (CD)

    Get a better rate of return with a Certificate at Greater Kentucky Credit Union. Certificates earn higher dividends than Savings Accounts and have pre-determined maturity rates. We offer a 90-Day Super Saver Certificate with a minimum deposit of $500 and the ability to add money along the way, as well as 6-Month, 1-Year, 2-Year, 3-Year, and 5-Year Certificates with a minimum deposit of $1,000. You can earn even more interest with a Jumbo CD. Jumbo CDs are available with a minimum deposit of $100,000 with terms that vary from 2 – 5 years. Certificates of Accounts are the perfect way to achieve a high return while having the peace of mind that your investment is federally insured by the NCUA to at least $250,000 per account.

    *Some restrictions apply. 
    Refer to Disclosure and Fee Schedule for details.

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    Useful Links

    Savings Calculators
    Savings Rates
    Relationship Pricing

    Learn more about a Credit Union Membership 
    Direct Deposit Form
    Click Here For Terms and Conditions

    ncua blue 250k gif
    Greater Kentucky Credit Union accounts are federally insured to at least $250,000 by the National Credit Union Administration, an agency of the United States Government.
    Learn more about NCUA insurance.
    Share Insurance Estimator
    Your Insured Funds Brochure

  • Money Market Investment Account

    A Money Market Investment Account offers you a higher yield than your Regular Savings, yet still allows you to maintain a liquid investment that pays tiered dividends.  With the minimum deposit and balance to earn dividends being at $2,500, this is a great way to save money and earn higher dividends.

    *Some restrictions apply. 
    Refer to Disclosure and Fee Schedule for details.

    MoneyCalc

    Useful Links

    Savings Calculators
    Savings Rates
    Relationship Pricing

    Learn more about a Credit Union Membership 
    Direct Deposit Form
    Click Here For Terms and Conditions

    ncua blue 250k gif

    Greater Kentucky Credit Union accounts are federally insured to at least $250,000 by the National Credit Union Administration, an agency of the United States Government.
    Learn more about NCUA insurance.
    Share Insurance Estimator
    Your Insured Funds Brochure

  • Traditional IRA

    A Traditional IRA is a type of retirement plan that has been in existence since 1975. Traditional IRAs offer tax-deferred earnings, and the possibility for tax-deductible contributions. These tax advantages make the traditional IRA a powerful tool in creating a balanced, long-term savings plan. Individual Retirement Accounts (IRAs) were originally designed to help you save for retirement, but with all the options available you can also save to buy your first home or for a child's college education. Greater Kentucky offers Traditional and Roth IRAs as well as Coverdell Education Savings Accounts with no set-up or annual fees.

    Earnings are not taxed until they are withdrawn.
    Contributions may be tax deductible (consult your tax advisor).
    Contributions can be made at any time before age 70 1/2, up to $5,000 annually per individual account (as long as there is earned income).
    An additional $1,000 "catch-up" contribution is allowed annually for those 50 and over.
    Penalty-free distributions can begin at age 59 1/2 and are mandatory after age 70 1/2.
    Please consult your tax advisor regarding the specific rules and regulations surrounding the Traditional IRA.

    Roth IRA

    The Roth IRA was created by the Taxpayer Relief Act of 1997. Named for former Senate Finance Committee Chairman William Roth, Jr., this IRA offers more incentives to boost your retirement savings, as well as more ways to use your nest egg. Unlike Traditional IRAs, your contributions to a Roth IRA are never tax-deductible. However, the money in your Roth IRA, including earnings, can be withdrawn tax-free. Of course, you must conform to the plan provisions to get this tax-free advantage.

    Contributions are not tax deductible.
    Contributions can be made at any time, up to $5,000 annually per individual account, as long as income is earned (no age limit).
    An additional $1,000 "catch-up" contribution is allowed annually for those 50 and over.
    Penalty-free, tax-free distributions of earnings can begin at age 59 1/2 if you have held the IRA for at least five years, but are not mandatory at any age.
    Penalty-free, tax-free distributions of earnings can also be taken for a qualified first-time home purchase up to $10,000, if the account has been held for five years.
    Penalty-free, tax-free withdrawal of your regular contributions can be made at any time; special rules apply to withdrawal of rollover contributions.
    Please consult your tax advisor regarding the specific rules and regulations surrounding the Roth IRA.

    Coverdell Education Savings Account

    The Taxpayer Relief Act of 1997 created the Education IRA, now known as the Coverdell ESA. Its sole purpose is to help you pay for your child's education expenses, such as tuition, fees, books, supplies, equipment, and, in some cases, room and board and computers. These options were improved by the Economic Growth and Tax Relief Reconciliation Act of 2001.

    Contributions are not tax deductible.
    Contributions up to $2,000 per year may be made annually for each child until the child's 18th birthday.
    Funds must be disbursed or rolled over by the child's 30th birthday. Distributions are penalty-free and tax-free if used to pay expenses related to the beneficiary's education.
    Please consult your tax advisor regarding the specific rules and regulations surrounding the Coverdell Education Savings Account.

    IRA Passbook 

    You know you need to start saving for retirement but aren't sure where to begin – with an IRA Passbook, you can start slow and increase your IRA as your budget permits. As long as you are receiving a paycheck, you are never too young to start saving for retirement. $25 minimum to open (no minimum with payroll deduction). Dividends compounded and paid quarterly. Payroll deduct as little as $5 per pay period. No set-up or annual fee. 

    90-Day Super Saver Certificate & IRA 

    With a 90-Day Super Saver Certificate or IRA, you can earn a higher dividend while maintaining the flexibility to move the funds after 90 days. $500 minimum to open. Renews every 90 days. Dividends compounded and paid quarterly. Payroll deduct as little as $5 per pay period. No set-up or annual fee. 

    2-Year Flex IRA Certificate 

    Flexible IRA Certificates will allow owners to increase the rate once a calendar year on the certificate if the rate on Two Year Certificates increase. $1,000 minimum to open. Can increase rate once a year from the purchase date of the CD if the certificate rate on 2-Year Certificates increase. Payroll deduct as little as $5 per pay period. Pays the same as any 2-Year Certificate. No set-up or annual fee. 

    6-Month, 1, 2, 3 and 5-Year IRA Certificates 

    At Greater Kentucky Credit Union, the possibilities to grow your IRA are endless. 6-Month, 1, 2, 3 and 5-Year IRA Certificates require a minimum of $1,000 to open.

    *Some restrictions apply. 
    Refer to Disclosure and Fee Schedule for details.

     

    Useful Links

    Savings Calculators
    Rates
    Relationship Pricing

    Learn more about a Credit Union Membership 
    Direct Deposit Form
    Click Here For Terms and Conditions

    ncua blue 250k gif
    Greater Kentucky Credit Union accounts are
    federally insured to at least $250,000 by the
    National Credit Union Administration, an
    agency of the United States Government.

    To open an IRA contact any IRA Specialist at 859-231-9300 or 800-432-7393.

    Learn more about NCUA insurance.
    Share Insurance Estimator
    Your Insured Funds Brochure

  •        

    santachistmas8 150 Christmas Club

    If the holidays tend to find you unprepared financially, you can open a Christmas Club account with a $10 minimum deposit.  A Christmas Club account enables you to set aside money for the holidays and is especially easy when using Direct Deposit The best feature of our Christmas Club account is that you can open the account or make withdrawals at any time of the year!

    familybeachsummervacation4 Vacation Club

    With a $10 minimum deposit, a Vacation Club account enables you to set aside money each payday for that family vacation that is well overdue.  It is especially easy when using Direct Deposit The best feature of our Vacation Club account is that you can open the account or make withdrawals at any time of the year!

    *Some restrictions apply. 
    Refer to Disclosure and Fee Schedule for details.

    Club Account Savings Rates

    Click Here For Terms and Conditions

     

     ncua blue 250k gif

    Greater Kentucky Credit Union accounts are federally insured to at least $250,000 by the National Credit Union Administration, an agency of the United States Government.
    Learn more about NCUA insurance.
    Share Insurance Estimator
    Your Insured Funds Brochure

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