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Get the most out of your checking account without the extra fees.

Manage Your Money Just The Way You Like

Unified Checking

Our Unified Checking Account is a truly free* account packed with features that make banking easier and more rewarding.

  • Earn 1.00% APY* on balances up to $15,000 and up to $10* in ATM fees when you meet certain qualifiers
  • No monthly service fees or minimum balance
  • Visa® Debit Card
  • Online and Mobile Banking access

Simple Checking

Want an account that is straight forward with just the basics? Our Simple Checking account may be the checking account for you.

  • No monthly service fees or minimum opening deposit
  • Visa® Debit Card
  • Online and Mobile Banking access

Money Masters Teen Checking

Our Money Masters Teen Club Checking gives members ages 12 -17 even more opportunities to earn, spend and save money.

  • Rewards for good grades and volunteering
  • Scholarship opportunities
  • No monthly service fees and $5 minimum opening deposit
  • Visa® Debit Card
  • Online and Mobile Banking access

Get Your Paycheck Earlier**!

When you set up direct deposit to your Georgia United Account, we’ll deposit your money as soon as we receive it! Most employers process payroll a few days before payday and most banks make you wait until payday to see your money hit your account. At Georgia United, we give you access to your money immediately so you don’t have to wait.


Participating in our referral program is easy and rewarding! You can earn up to $500 a year when you refer friends and family to Georgia United. The more you refer, the more you can earn! 
Great interest rates on home and car loans. Free checking. Great service, comparable to major banks.
- Carl L.
The employees are always so nice and friendly and always willing to help. I don't get charged ridiculous fees like other banks.
- Crystal H.
Georgia United is great to help start building credit and I like the fraud prevention process.
- Denishia T.
Some features such as making deposits available as soon as you receive them is very helpful.
- Patricia O.
My deposits show up very fast and everyone at the credit union is very very helpful and polite. I have no complaints.
- Sherry F.
The best bank ever to me. I recommend this bank to everyone who is searching for a new bank. Have never had any troubles and the sweetest people to work with.
- Alexis B.
I have always had favorable communication with Georgia United. I always feel like they have my best interests in mind while protecting the assets of each member.
- Lasonya O.

Frequently Asked Questions

Updating all the accounts that your old card is linked to can seem overwhelming. Using CardSwap, Georgia United cardholders can update the preferred payment method for your favorite digital services in one centralized location within Online Banking.

Yes! You can pay with the tap of your phone when you add your Georgia United Visa® Card to your digital wallet like Apple Pay®, Google Pay™ and Samsung Pay®. Learn more about digital wallet.

You can set up alert notifications in Online Banking. On the menu, select ‘Services‘ and click ‘Alerts’. To set up a new alert, click ‘New Alert’. There are several different alert types you can set up:

  • Account alerts – get notified when your balance goes above or below a specified amount
  • History alerts – get notified when credits or debits post to your account
  • Online transaction alerts – get notified when online activity occurs like a funds transfer
For cards, the most common alert type is to get notified when a transaction posts. This can be done by setting up a History alert. Select the transaction type (debit/credit) and transaction amount you want to be notified about. For example, if you only want to know about purchases over $100, you can specify this amount or if you want to know about every transaction, you can choose to get alerts for purchases more than $0.01.

You can securely reorder checks in Online Banking. In your account, go to the 'Services' tab and select 'Check Reorder'. Checks may also be ordered from our Member Care Center, at any of our branch locations or by calling 800.Deluxe1.

Please contact our Member Care Center 888.493.4328 or stop by a branch location. Select cards can be instantly issued at a Georgia United branch location while others may need to be issued by mail.


Please contact our Member Care Center at 888.493.4328.


If you've misplaced your card, quickly freeze it in Online Banking any time of day, or you can contact our Member Care Center at 888.493.4328 during business hours. To freeze your card:

1. Log in to Online Banking or the Georgia United Mobile App.

2. From the navigation, select 'Cards' and click 'Manage Cards'.

3. Select your card.

4. From the drop-down, choose 'Freeze Card'.

Once your card is found, you can unfreeze it following these same steps.


*APY = Annual Percentage Yield. Rate may change after account is opened. The APY is accurate as of the last dividend declaration date. If your account balance is from $0.01 to $15,000.00 and qualifications are met, the Annual Percentage Yield will be 1.00%. If your account balance is $15,000.01 and above and you have met the qualifications, the Annual Percentage Yield will range from 1.00% to 0.19%. To earn 1.00% APY on up to $15,000 of the average daily account balance and to receive up to $10 per month in non-Georgia United ATM surcharge fee refunds, there is no minimum account balance requirement; however, the account must perform at least 15 Georgia United debit and/or credit card transactions that post and clear during the month, have a monthly direct deposit of $500 or more and be enrolled in E-Statements. If you do not meet the qualifications the APY will be 0.05%. Overdraft/returned item fees may apply, see Share Rates and Fees Schedule for additional fees that may apply. All Credit Union programs, rates, terms and conditions are subject to change at any time without notice.

**The availability of direct deposit funds depends on the timing of the submission of the payment file from the payer. Georgia United generally makes these funds available on the day the payment file is received, which may be up to two (2) days earlier than the scheduled payment date. For ACH deposits, dividends will begin to accrue on the effective date of the deposit. The effective date, or scheduled payment date, is the actual day Georgia United receives credit for the deposited funds.