- No monthly service fees
- No minimum opening deposit
- Visa® Debit Card
With a Georgia United Unified Checking Account, you have options for earning interest and you don't have to worry about monthly service fees or maintaining a minimum balance. That's because we like to make it easy for you. 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 0.10% APY. If the listed qualifiers for the 1.00% APY have not been met, 0.10% APY will be earned. Overdraft/returned item fees may apply, see fee schedule for additional fees that may apply. **Courtesy Pay fee is $32 per transaction. An overdraft may be imposed on the following transaction categories: checks, online banking, ACH transactions, in-person withdrawals, preauthorized automatic transfers, etc. Your account must be brought current within 30 days of initial use. We typically do not pay overdrafts if your account is not in good standing, or you are not making regular deposits, or you have too many overdrafts. All Credit Union programs, rates, terms and conditions are subject to change at any time without notice. Federally Insured by NCUA.
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.