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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

Refer-A- Friend

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! 

Get Your Debit Card Instantly

If you're in need of a new debit card, but can't wait for the mail to arrive, we've got you covered. Stop by any Georgia United branch location and we'll provide a replacement card to you instantly!

Choose from several design options including our Georgia Bulldogs® Debit Cards to show your team pride everywhere you spend. Cards available for instant issue include our Bulldog Head and Georgia United designs.

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.
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.
I would recommend Georgia United Credit Union because the customer service is great! Anytime I call to obtain assistance with my account, I get a courteous and friendly representative.
- Lisa A.

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. 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 during the month, have a monthly direct deposit of $500 or more and be enrolled in E-Statements; remaining average daily account balances in excess of $15,000 will earn 0.05% APY. If the listed qualifiers for the 1.00% APY have not been met, 0.05% APY will be earned. Overdraft/returned item fees may apply, see Share Rate and Fee Schedule for additional fees that may apply. All Credit Union programs, rates, terms and conditions are subject to change at any time without notice.