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Unified Checking

Get the most out of your checking account without all the fuss and the fees.

Enjoy the benefits of a truly free* account

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:

  • No monthly service fees
  • No minimum balance requirement
  • Earn up to 1.00% APY*
  • Overdraft protection with Courtesy Pay**

 

Get Rewarded with an Account that Pays You

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:

  • Perform at least 15 Georgia United debit and/or credit card transactions
  • Make a direct deposit(s) of $500 or more
  • Enroll in E-Statements

 

Ways to Open A Unified Checking Account

Other Checking Account Options

Simple Checking

  • No monthly service fees
  • No minimum opening deposit
  • Visa® Debit Card

Money Masters Teen Checking

  • Available to teens ages 12-17
  • No monthly service fees
  • $5 minimum opening deposit required
  • Visa® Debit Card
  • Rewards for good grades and volunteering
Great interest rates on home and car loans. Free checking. Great service, comparable to major banks.
- Carl L.
Compared to other banking institutions, Georgia United is leading the pack in customer service, interest rate, and banking services.
- Adeidra W.
I've been with Georgia United for 28 years. I guess what really stands out for me, I went through some really bad financial problems - lost job, lost income. They helped me through these hard times and helped me get back on my feet! I would not BANK ANYWHERE ELSE!
- Resa J.
I have traveled worldwide and periodically banked with other institutions. However, no other banking institution has been able to compete with the customer service at Georgia United. When I walk into Georgia United Credit Union I feel like family. When I walk in other banking institutions, I feel like a customer.
- Debra C.
Customer service is so awesome it sets a standard that ALL other customer services should strive to achieve. I've been a member 20+ years, using other banks until going with Georgia United and will NEVER go with another bank again. Any issues I've had were immediately positively dealt with with one phone call to customer service.
- Joyce D.
You are an old fashioned type of personal banking I haven't experienced in a very long time and I love it. Your financial institution is amazing and I love everything about you and I actively tell people all the time to go to Georgia United because of how awesome y'all are.
- Angela M.
Personal and excellent customer service. Hometown feel when dealing with Georgia United Credit Union. Unlike bigger banks where you feel like a number, Georgia United makes you feel like a valued customer.
- William M.

*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.