Georgia United Transfers
Move money between your Georgia United accounts or make a loan payment.
- Funds post immediately
- One-time or recurring transfers
- Set up in Online Banking, by phone or in branch
Transfers
Easily transfer money between your Georgia United accounts and accounts at other financial institutions.
Quickly Move Money Between Your Accounts
We know you have many financial relationships, so we’ve made it easy to transfer money to and from your accounts at Georgia United and your accounts at other financial institutions.
See how external transfers work
External transfers can be set up in Online Banking. You’ll need your bank’s account and routing number to get started. Once your account is verified, quickly set up one-time or recurring transfers between your accounts. It’s safe, secure and Georgia United doesn’t charge any fee!
Other Ways to Move Your Money
Telephone Banking
Call our Instant Access Telephone Teller and quickly make transfers and more using your touch-tone phone.
Text Banking
Frequently Asked Questions
If a deposit is made by electronic transfer and is returned due to non-sufficient funds, will Georgia United automatically attempt to continue to collect funds until paid?
No. Georgia United does not attempt the transaction more than once. The Georgia United account will be charged an “ACH Transfer Return Item Fee” for returned transfers. For recurring transactions, the scheduled transfer will continue to initiate payment on the next scheduled payment date. Payments that are missed will be the member’s responsibility to set up a one-time transaction to cover the missed payment and any additional fees.
What if the funds are unavailable to cover my transfer?
You are obligated to have sufficient funds in your account to fund a transaction. If the funds are not available in your account, check with your other financial institution on their non-sufficient fund (NSF) policy.
Is there a fee to make a transfer to another financial institution?
No. There is no fee from Georgia United to perform this transaction as long as funds are available in the account. Overdraft and non-sufficient fund (NSF) rules apply.
What if the payment date falls on a holiday?
If the member authorizes the payment and the start date falls on a weekend or a holiday, the transaction will settle the next business day.
How much notice is needed to cancel a transaction?
To cancel a pending transaction, we must receive your request to cancel prior to 12 pm ET on the scheduled transfer date.
How do I cancel my transaction request?
To cancel your transaction request, select the ‘Transfers and Payments’ tab in Online Banking and in the drop-down menu click ‘Online Activity’. To the right of your scheduled transaction, select the ⋮ and from the drop-down menu click ‘Cancel’.
Are there dollar limits on transfers from my external accounts through ACH?
During the first 60 days of Online Banking enrollment, a new account will be able to originate the initial funding of their account up to $1,000. After this time, the maximum amount for Automated Clearing House (ACH) credit/debit per request is $2,500.
How are funds transferred to another financial institution?
Funds are transferred by Automated Clearing House (ACH).
What if I provided an incorrect routing number for the external financial institution?
You will need to contact the other financial institution to verify and confirm the information required for completing the transfer request.
What information will I need to provide about the external account?
- The name of the financial institution
- The 9-digit routing number of the financial institution
- Your account number and account type at the financial institution Funds can only be withdrawn from a savings or checking account. Image below: reference where to find your 9-digit routing number and your account number.
How do I setup an external transfer in Online Banking?
To transfer to and from an external account, you will first need to verify your external account by completing the following steps:
- Add External Account. In Online Banking, go to the 'Services' tab and select 'Add External Account'. Enter your external account information and click Submit. Two micro-deposits will be made into the account that you have entered. You should typically see these within five business days.
- Verify External Account. Once you have received your deposits, log in to Online Banking and verify your account. Go to the 'Services' tab and select 'Verify External Account Requests'. Select the account you would like to verify and enter the amounts of the two micro-deposits. Click Submit.
Please note, if the account is not verified within 10 days the request will expire.
Once Initial Setup is complete, to transfer money to or from an external account, go to the ‘Transfers and Payments’ tab and select ‘Funds Transfer’. Your external account will be available in the drop-down.