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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
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.
Much easier to bank with Georgia United Credit Union than other banks. Reps seem more friendly, and better customer service. Rates and terms are generally better when a loan is needed.
- Wesley W.
I have always had great experiences while dealing with my banking business at the credit union. All employees are extremely friendly and helpful every time I deal with them.
- Bryan B.
The service is exceptional! The tellers are always friendly and personable! They ensure that my account is secure by asking security questions each time I withdraw money. I am a very satisfied customer!
- Keshia H.
Personnel have always helped me to navigate through any issues or questions that I may have. Friendly staff members and I have been completely satisfied with the services and options rendered to me.
- Mary J.
Georgia United Credit Union associates are always professional, friendly and courteous towards me as a customer. They have always met my financial needs and have my best interest in mind. I love the Dublin Branch employees! They make me feel like I am a part of their family!!
- Diane O.
Every time I or one of my immediate family members go to the Cumming branch we are greeted with very kind and appreciative faces. I have never been inside where I was treated any other way. The ladies are top notch and I wouldn't change anything that they are doing in any way. They treat everyone like they want to be there and want to help you in any way they can.
- Donald D.

Meet Your 401(k)

Maximize Your Savings for the Future

In order to support yourself after retiring, you will need a source of income that will stretch further than the safety net of Social Security.

Some employers offer traditional pensions, which pays retirement income based on your final salary and time on the job. Others contribute to a cash balance, profit sharing or other plan on your behalf. But most employers offer you the opportunity to participate in a salary reduction plan, such as a 401(k) or 403(b).

Participation Advantages

If you participate in your employer’s 401(k) or 403(b) plan, a percentage of your gross income will be withheld each pay period in an account in your name and will accumulate tax-deferred earnings on those contributions. That means the earnings are reinvested to increase the base on which additional earnings can accumulate, a process called compounding.

Participating in a 401(k) or 403(b) plan has three big advantages:

1. Any tax-deferred contributions reduce your current income taxes since they are subtracted from your income before tax withholding is calculated.

2. Contributions to a tax-free Roth 401(k) or 403(b) aren’t deductible. But when you withdraw after 59½, your earnings are tax free if your account has been open at least five years.

3. Many employers match a percentage of the contributions you make.

Why Now?

When compounding is involved, time is money. The more years that you add contributions to your plan and the more years that any earnings increase your principal, the larger your account balance has the potential to grow.

Of course, there are no guarantees about either the rate or the regularity of the earnings. They may be outstanding one year and dismal the next or they alternate between periods of growth and decline. That is the reality of investing. Having time on your side means that bumps in the road, like a period when investment prices go down and your account value shrinks, may be setbacks - but they don’t have to be fatal.

Bright and Early

To show the impact of early investing in a 401(k) or other retirement savings plan, use a savings calculator to compare the potential results if you begin investing at different points in your working life.

For example, assume your employer doesn’t match your contributions and you contribute $5,000 every year, earning 8% interest and will stop contributions at age 65.

  • Starting at age 45 - your account value will be approximately $247,000 at age 65, based on total contributions of $100,000.
  • Starting at age 35 - your account value will be approximately $611,000 at age 65, based on total contributions of $150,000.
  • Starting at age 25 - your account value is almost $1.4 million at age 65, based on total contributions of $200,000.

Remember that returns are not guaranteed. Your return could be low and you could lose as well as make money – that’s why it’s important to start saving early.

A 401(k) by Any Other Name

401(k) plans are the most common and best known, employer sponsored salary reduction plans. But they’re not the only ones. If you work for a not-for-profit organization such as a school or college, a hospital, cultural institution or charitable organization, your employer may offer a 403(b) plan, which operates in much the same way as a 401(k).

Similarly, the plan a state or municipal government offers may be a 457 plan, while federal government departments and agencies provide a thrift savings plan (TSP). And if you work for a small company—one with fewer than 100 employees—you may be part of a SIMPLE plan, an acronym for Savings Incentive Match Plan for Employees.

The rules differ slightly for each type of plan and even among plans of the same type. But all offer the opportunity for tax-deferred earnings.

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.