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Savvy Spending Account

Designed for savvy individuals looking for streamlined financial solutions, this secure checking account offers tools that empower you to make the most of your finances.
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Smart Benefits. Everyday Value.

Keep your money safe and spend smarter with the Savvy Spending Account, designed with extra safeguards to protect your funds and make managing your finances easier than ever.

Open an account today and enjoy premium features including:

  • Loan & Mortgage Discounts1
  • IDProtect® Identity Theft Monitoring & Resolution Service2
  • Up to $10,000 of Accidental Death & Dismemberment Insurance3
  • Debit Advantage® Buyer's Protection3 and Extended Warranty3
  • Cell Phone Protection3
  • $hopping RewardsTM
  • Travel & Leisure Discounts
  • Health Discount Savings
With Savvy Spending, you get all these benefits at no cost when you maintain a $3,000 average daily balance or more. Otherwise, a monthly fee of $4.95 applies.

Keep Yourself safe

Identity Protection

IDProtect provides comprehensive tools, like identity theft monitoring and resolution services2 to help safeguard your personal information. If fraud ever occurs, you’ll have access to fully managed recovery services and up to $10,000 in identity theft expense reimbursement3 for you and your joint account holders.

Stay Covered

Cell Phone Protection

Enjoy up to $600 in coverage if your cell phone is stolen or damaged. Whether it’s a cracked screen or a stolen device, you’re better protected with fast, hassle-free claims and peace of mind built right into your checking. Up to two claims and maximum of $1,000 per eligible account, per twelve-month period. Covers up to four phones on a cell phone bill. Your cell phone bill must be paid with your Savvy or Enriched Spending Account to be covered. 

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

*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.

1Rebates: 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.

2 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.

3 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 certificate of insurance.”

4 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.