GEM Checking

Calger’s initial core product was GEM Checking.

Since 1986 the benefits and features of this valuable Benefit Added Checking Account have been a great addition to credit union portfolios. Initially, Free Checking was not a common catchphrase, and account holders were often presented with a variety of checking account options. However, since the advent of Free Checking credit unions have struggled to maintain positive income streams from their checking accounts.

Once again, GEM Checking has been at the forefront of products allowing credit unions to not only receive positive fee income from their checking accounts but that afford their members valuable benefits and services.

With Added Benefits to your checking account options that YOU and Calger decide upon, GEM is truly a program customized to your membership!

Why a Value Added Checking Account? We know how important it is to balance growth, assets, capital, and earnings, while retaining valuable service.

GEM Checking can help you maintain your solid financial footing while you do that.

A group of Solid Core Deposits – the critical element that gives you the flexibility to do all the other things you do.

If you offer GEM Checking, priced with just a $3.00 per month profit for you (and YOU decide the amount), every 1,000 GEM Checking accounts means $3,000 per month to your bottom line.

That means 1,000 GEM Checking accounts can net you $36,000 a year just for starters!

Imagine the Possibilities!

Part of the uniqueness of GEM stems from the flexibility of benefits. This isn’t a one-sided offering – we will pair benefits that Calger has deemed worthy of inclusion with benefits that YOU would like to offer that special group of members that choose to participate in a GEM Checking account. Each GEM credit union is unique in their benefit offerings!

Most Discount and Rewards offerings are very expensive for credit unions to include as part of their offerings. But, through our GEM Checking added benefits account you can do this AND include other valuable offerings such as Accidental Death and Dismemberment Insurance.

Contact us today and we will work together with you to create your own special Checking Account program!