Skip to main content


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.

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

External Account Transfers

Transfer money to and from your accounts at other financial institutions.

  • Initial setup can take up to 5 business days
  • Set up one-time or recurring transfers
  • Online Banking required

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.

Learn More

Text Banking

When you enroll in Text Banking, you can request transfers using simple text commands.

Learn More

Frequently Asked Questions

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.


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.


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.


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.


To cancel a pending transaction, we must receive your request to cancel prior to 12 pm ET on the scheduled transfer date.


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’.


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.


Funds are transferred by Automated Clearing House (ACH).


You will need to contact the other financial institution to verify and confirm the information required for completing the transfer request.


  1. The name of the financial institution
  2. The 9-digit routing number of the financial institution
  3. 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.


an image of a check

To transfer to and from an external account, you will first need to verify your external account by completing the following steps:

  1. 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.
  2. 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.