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Choose from our Basic Checking/Draft Account or Advantage Plus Checking/Draft Account


Basic Checking/Draft Account (D1)

Our Basic Checking/Draft Account has no monthly service fee and includes the following features and benefits:

  • No Minimum Balance 
  • No Per Check/Deposit Charge
  • Free online account access
  • Free Bill Pay
  • Courtesy Pay*
  • Mobile Check Deposit*
  • Over 30,000 Surcharge Free ATMs Nationwide

*Ask a credit union representative for details about these services.


Advantage Plus Checking/Draft Account (D2)

~This checking account option changed from the IDSafeChoice Checking account to the Advantage Plus Checking account on January 1, 2020.

Advantage Plus Checking/Draft Account has a low monthly account fee of $3.95 and includes all of the benefits of the Basic Checking/Draft Account plus the following:

  • One free box of basic duplicate checks per year
  • Waived fees for cashier's checks, money orders, phone transfers, temporary checks and statement copies
  • 0.10% bonus on CD rates
  • 0.25% discount on loan rates*
  • Fully Managed Identity Theft Recovery
  • Identity Theft Expense Reimbursement Insurance- up to $25,000**
  • Credit Monitoring***
  • Dark Web Monitoring
  • Mobile Phone Coverage****

*Maximum of 0.50% discount on loans including all available rate reductions. Not all loan types qualify for Relationship Advantage discounts.
**Coverage is currently not available to residents of the state of New York.
***The primary account holder is entitled to Credit Monitoring services and require activation by the primary account holder.
****This insurance coverage covers mobile phones that are on the same phone plan as the primary account holder. Covers accidental damage, mechanical failure and theft.

Advantage Plus Checking protects you if you fall victim to identity theft for any reason. Advantage Plus Checking includes:

  • A personal Recovery Advocate standing by to research and resolve any identity theft issue that you may suspect, or evidence of identity fraud that you discover
  • Insurance for reimbursement of expenses incurred in recovering from identity theft
  • Credit Monitoring with alerts to significant changes in your TransUnion® credit file
  • Dark Web Monitoring to scan the deep and dark web using sophisticated technology and alerts you if your personal information or registered credentials have been compromised
  • Mobile Phone Coverage to provide insurance coverage up to $500 minus a $50 deductible for your cell phone’s repairs or replacement due to accidental damage, mechanical failure or theft

Go to  to learn more about these identity protection and mobile phone coverage services, or to activate credit monitoring if you are already a member.

Advantage Plus Checking Brochure 01242020.pdf
Advantage Plus Checking opt-in/ opt-out form



Reorder checks here

Direct Deposit

You can have your payroll, veterans, supplemental security, social security, or other payments directly deposited into your Guthrie FCU checking/draft or savings account.  Simply provide the payer with the Guthrie FCU routing number (231388494) and your checking/draft or member account number.  Your checking/draft account number can be found at the bottom of your checks.

The U.S. Department of the Treasury recently announced a new initiative to increase electronic transactions. This initiative requires that you receive your Veterans, Supplemental Security, Social Security, and Railroad retirement funds electronically by March 1, 2013. Get more information.

Over Draft Protections

Guthrie FCU offers two options to help you avoid overdraft and insufficient funds fees.  Ask about our automatic transfer option, which transfers money from your savings account to your checking/draft account automatically in the event of an overdraft.  There is a fee for each transfer, get more information on transfers.

We also offer an overdraft line of credit.  In the event of an overdraft, the amount will be drawn from the line of credit instead of being denied and incurring fees.  The balance on the line of credit will incur interest at your approved loan rate.  Get more information.


Change Saver Account

Change Saver is a program that rounds up each debit card transaction to the next dollar on your Advantage Plus or Basic Checking account.  At the end of each day you will see a credit for the difference on your Change Saver Account.

This is a great way for members to save without thinking about it! 

Change Saver will not take your checking account negative, it will only take what is available. You have the convenience to withdrawal or deposit to the change saver at anytime!

To open a Change Saver account, please stop by one of our offices.