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Enriched Spending Account

Designed for members who want more than just a place to store their money. It’s a value-packed account that helps you save money, protect your identity and manage your financial wellness—all in one.
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Checking Built for Busy Lives. Backed by Real Benefits.

Our Enriched Spending Account is packed with features that make banking easier, safer and more rewarding. Open an account today and take advantage of these premium checking account benefits.

  • Earn dividends up to 0.15% APY*
  • Telehealth1
  • One box of checks per year
  • Loan and mortgage discounts2
  • IDProtect® Identity Theft Monitoring & Resolution Service3
  • Up to $10,000 of Accidental Death & Dismemberment Insurance4
  • Debit Advantage® Buyer's Protection4 and Extended Warranty4
  • Cell Phone Protection4
  • $hopping RewardsTM
  • Travel & Leisure Discounts
  • Health Discount Savings

Enjoy all these benefits and savings at no cost when you maintain a $5,000 average daily balance. Otherwise, a low monthly fee of $6.95 applies.

Your Health, Your Way

24/7 TeleHealth

With our Enriched Spending Account, you get more than just a checking account—you get peace of mind. Enjoy 24/7 access to telehealth and teletherapy services through board-certified physicians and licensed mental health professionals. Whether it’s a late-night fever or a midday mental health check-in, help is just a few clicks away.

Membership Savings

Mortgage & Loan Discounts

With our premium checking account, you’re unlocking real savings with exclusive discounts on these Georgia United products and services:
  • $25 rebate on GAP protection
  • $50 rebate on Extended Warranty protection
  • $100 rebate on a HELOC
  • $250 rebate on a mortgage

Convenient Access Anytime

  • Manage your accounts seamlessly with our Online Banking and mobile app, including the ability to deposit checks** directly from your phone.
  • Access your paycheck up to two days early*** with our Early Pay feature, giving you more control over your finances. 
  • Enjoy secure transactions worldwide with our Visa® debit card, plus optional Courtesy Pay for unexpected expenses.

 

Ways to open a Spending Account

“
Friendly tellers and good customer service. They're always keeping privacy in mind and always alert members of fraudulent activity in accounts.
- Mohammed K.
“
I have just always felt very safe and comfortable trusting Georgia United with my financial needs. From taking out a loan to taking care of business where my money is concerned, I have always been satisfied with the service I have received.
- Nancy C.
“
I have been with Georgia United since I arrived in Georgia in August 2000. Since that time I have used the credit union for a number of banking activities including my checking and savings accounts. In the 24 years I have been with them I do not have a single complaint. I have always received courteous, professional service from great people.
- Bruce W.
“
I have been with Georgia United for a very long time, since 1986 or so. I have always been satisfied with the professional and courteous service I have received.
- Theresa S.
“
Great service with kind, knowledgeable people with respect for themselves and others.
- Linda S.
“
The staff is always friendly and patient and they take time to listen and handle concerns.
- Monica S.
“
Georgia United Credit Union employees are sweet, honest and homegrown. They are respectful and take great care of your needs. Plus the rates the credit union offers are a home run for me. Wish I had joined sooner.
- Kellye A.

Featured Resources

*APY=Annual Percentage Yield. The Dividend Rate and Annual Percentage Yield may change after account is opened. Dividends are compounded monthly and credited monthly. The APY is accurate as of the last dividend declaration date. The APY will be 0.15%. For Enriched Spending, if your average daily balance falls below $5,000, there is a monthly fee of $6.95. Fees may reduce earnings.

**Items transmitted using this service are not subject to the funds availability requirements of the Federal Reserve Board Regulation CC. Mobile check deposits are subject to verification and may not be available for immediate withdrawal.

***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.

1 Available for the account holder and their spouse/domestic partner and up to six (6) dependent children age 2 and older. This is not insurance.

2 Rebates: To qualify you must have an Enriched or Savvy Spending Account open for at least 6 months before the loan start date or within 8 months after. Your account must be in good standing, with no charged-off accounts, no overdrawn balances for over 30 days and no loans overdue by more than 45 days. Rebates are limited to one GAP, one warranty, one HELOC and one mortgage rebate per loan. Exceptions may apply for refinanced loans.

3 Benefits are available to personal checking account owner(s), and their joint account owners subject to the terms and conditions for the applicable Benefits. Some Benefits require authentication, registration and/or activation. Benefits are not available to a “signer” on the account who is not an account owner or to businesses, clubs, trusts organizations and/or churches and their members, or schools and their employees/students.

4 Special Program Notes: The descriptions herein are summaries only and do not include all terms, conditions and exclusions of the benefits described. Please refer to the actual Guide to Benefit and/or insurance documents for complete details of coverage and exclusions. Coverage is provided through the company named in the Guide to Benefit or on the insurance document. Insurance products are not insured by the NCUA or any federal government agency, not a deposit of or guaranteed by the credit union or any credit union affiliate.