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Unified Checking

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

Enjoy the benefits of a truly free* checking account

Our Unified Checking Account is packed with features that make banking easier and more rewarding. With this truly free checking 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:

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
I have been with the Georgia United Credit Union family for many years and their customer service is number one and they always go the extra mile to make sure you are taken care of with a smile.
- Bobby J.
Been with Georgia United for a very long time and they are awesome. Whether I had 20 bucks in the account or 100 thousand, you are treated the same, with dignity and respect.
- Guy K.
I've always had near Chick-fil-A level customer service; especially by phone, which is crucial as I now live outside the state of Georgia.
- Wanda C.
The representative was personable, knowledgeable and efficient. Further, the representative was extremely patient as I explained my issue. Resolution to my concern exceeded expectations.
- Cynthia H.
I received great service from the Georgia United representative during a difficult time in my life. I sincerely appreciate her help and understanding.
- Kamden R.
Friendly, knowledgeable staff. Very quick with responding to people. I have been a member since 2005 when it was State Employees' Credit Union and have always loved the service you still provide.
- Lola P.
Since I have been a member, I have always received attention that exceeds the normal in professionalism and courtesy.
- Luis C.

Budgeting Basics

Successful money management comes from knowing your income and expenses. This means identifying how much money you have coming in and how you’re spending the money you have. Using these two factors, you can prepare for future expenses and determine where you can cut costs to save, invest or get out of debt.

Sources of Income

Income is typically derived from salary or wages, government benefits such as Social Security and investment income, gifts from family members or savings. Earnings frequently change and most people expect their earnings will increase over time the longer they are in the working world, gaining more experience and earning power. It’s important to remember that earnings may be variable which is one of the reasons that budgets are not set in stone.



Just as fast as income arrives, money goes back out to pay for products or services including housing, utilities, phone and internet, transportation—and that’s just basic monthly expenses. There’s also insurance, healthcare and childcare, credit card bills, groceries and clothing, among countless other things that chip away at income.

In addition to the outgoing funds to pay bills, expenses that should also be built into your budget—ideally figured as a percentage of your income—should be money set aside to build a savings account, grow an investment portfolio and plan for retirement.


Know Your Numbers

There are just a few steps involved in understanding your monthly income and expenses:

  • Record your monthly income.
  • List your fixed monthly expenses.
  • Calculate non-monthly fixed expenses or bills that you pay every quarter, six months or annually.
  • Compile a list of your variable monthly expenses.
  • Compare what’s coming in with what’s going out.

The number you arrive at will determine your ability to spend on necessities, as well as on things you would like to have. If you don’t have enough income or if you spend more than you have, your cash flow will be negative, rather than positive.

Turning a negative cash flow into a positive one is the only way to lead a secure financial life and set the stage for a secure financial future. If you see that there’s a shortfall, there are two ways to reverse the situation:

  • You can reduce your spending.
  • You can increase your income.

It would certainly be ideal to increase your income but in reality, it’s a lot easier to reduce your spending to match the income you do have.

Creating a spending budget is a flexible, evolving process. It helps you draw a precise picture of what you have available to spend, compared with what you can afford to spend, along with what you’re actually spending. Having a practical budget helps ensure that your income and expenses exist in a balance that works in your favor.

Income and expenses can exist in harmony but it takes effort and commitment. A budget calculator can help you identify how much you are saving and spending on a monthly or annual basis, or experimenting with a budgeting formula, such as the 50/30/20 formula, may be helpful in creating a budget that works with your lifestyle.

Source: Banzai

Content provided for informational purposes only and should not be interpreted as legal advice on any subject matter.


*APY = Annual Percentage Yield. Rate may change after account is opened. The APY is accurate as of the last dividend declaration date. If your account balance is from $0.01 to $15,000.00 and qualifications are met, the Annual Percentage Yield will be 1.00%. If your account balance is $15,000.01 and above and you have met the qualifications, the Annual Percentage Yield will range from 1.00% to 0.19%. 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 that post and clear during the month, have a monthly direct deposit of $500 or more and be enrolled in E-Statements. If you do not meet the qualifications the APY will be 0.05%. Overdraft/returned item fees may apply, see Share Rates and Fees 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 $35 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 funds availability requirements of the Federal Reserve Board Regulation CC. Deposits accepted using this service will be available within two business 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.