- No monthly service fees
- No minimum opening deposit
- Visa® Debit Card
Our Unified Checking Account is packed with features that make banking easier and more rewarding. With this truly free account, you'll never have to worry about monthly service fees or maintaining a minimum balance, plus you'll earn interest on your account balance each month. Open an account today and enjoy all the features of a convenient account, including:
In addition to the everyday features and benefits, you can also earn more each month when you qualify for the enhanced perks of Unified Checking:
Whether you enjoy a simple, free account or take advantage of the extra perks—it’s up to you. To earn enhanced perks, just meet a few simple qualifiers each month:
*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 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.
**Courtesy Pay is a standard overdraft practice that comes with a Unified Checking Account. An overdraft occurs when you do not have enough money in your account to cover a transaction, but we pay it anyway. We authorize and pay overdrafts for checks and other transactions made using your checking account number, and automatic bill payments. We do not authorize and pay overdrafts for ATM and everyday debit card transactions unless you ask us to. We will charge you a Courtesy Pay fee of $32 each time we pay a transaction. We also offer overdraft protection plans, such as a link to your other accounts, which may be less expensive than our standard overdraft practices. We pay overdrafts at our discretion, which means we do not guarantee that we will always authorize and pay any type of transaction. Your account must be brought current within 30 days of initial use.
***Items transmitted using this service are not subject to the fund's availability requirements of the Federal Reserve Board Regulation CC. Deposits accepted using this service will be available within five days. Georgia United may make such funds available sooner.
The National Credit Union Administration (NCUA) insures your deposits (in savings, savings certificates, and share-draft/checking accounts) up to $250,000. IRAs are insured separately to $250,000.