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Drawing on my experience as a trader, when I examined GMCU’s services and account structures, I noted some important details regarding fees. GMCU operates primarily as a credit union focused on retail banking services such as loans, savings, and transactional accounts, distinctly different from a typical forex brokerage. In my assessment of their published information, there is no mention of any explicit inactivity fees for their accounts. This stood out for me, as inactivity fees are common in many trading platforms, especially those offering speculative products. However, I have learned to always exercise caution. While GMCU details certain costs for lending products and potential dishonour fees for direct debits, I could find no reference to charges specifically triggered by account inactivity, such as dormant account fees or service charges after prolonged periods of no use. It’s important to recognize that, despite the absence of such fees in their documentation, details can change or new terms may be introduced, depending on regulatory or operational updates. Therefore, if considering GMCU for any banking needs, I would personally recommend confirming the current fee schedule directly with their customer service. Policies may vary over time, and written confirmation ensures there are no unexpected charges. As with any financial decision—especially in a YMYL context like banking—I prioritize caution and direct verification over assumption. This approach has helped me avoid surprises in the past, and I believe it’s an essential practice for anyone managing accounts or evaluating new service providers.