Georgia United's free* checking accounts offer the ability to earn interest while providing a flexible banking experience.
*Overdraft/returned item fees may apply, see Share Rate and Fee Schedule for additional fees that may apply.
**APY = Annual Percentage Yield. APY and Dividend Rate are accurate as of the last dividend declaration date, and may change after the account is opened. Fees could reduce the earnings on the account. A Prime Share Savings Account is required to open a Christmas Club Savings Account. For a Christmas Club Account, the entire balance will be transferred to another account of yours on or after November 1 and the account will remain open. For Christmas Club accounts, there will be a fee for withdrawals made January 1 - October 31. For CDs, the rate is fixed and will not change after account is opened, the minimum deposit and minimum balance required to earn the advertised APY is $1,000; early withdrawal penalties may apply.