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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:


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

Get Your Debit Card Instantly

If you're in need of a new debit card, but can't wait for the mail to arrive, we've got you covered. Stop by any Georgia United branch location and we'll provide a replacement card to you instantly!

Choose from several design options including our Georgia Bulldogs® Debit Cards to show your team pride everywhere you spend. Cards available for instant issue include our Bulldog Head and Georgia United designs.

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.

Avoiding Overdraft and NSF Fees

An overdraft occurs when you do not have enough money in your account to cover a transaction, but we pay it anyway. Georgia United can cover your overdrafts in two different ways:

1. Overdraft protection plans, such as a link to your other accounts, which may be less expensive than our standard overdraft practices. 

2. Standard overdraft practices, called Courtesy Pay, that automatically comes with your Unified Checking Account.

Understanding Your Account balance

We determine whether you have enough money in your account for purposes of assessing overdraft fees based on your available balance. It’s important to know your available balance can differ from your actual balance. 

  • Your actual balance is the actual amount of money in your account at any given moment in time. It may be referred to on your statement as “current balance” or simply “balance.” It reflects items that have been fully processed and actually posted to your account but not transactions that are still processing or pending. Some people say these transactions “have cleared my account."
  • Your available balance is usually a different number than your actual balance. Your available balance is the portion of your actual balance that is available for immediate withdrawal or to pay other debit items; it takes into account standard funds availability holds under our Funds Availability Policy, as well as any pending debits and credits we have received but not yet posted to your account (for example, preauthorized debit card transactions, pending checks, transfers, withdrawals or other holds on your account.) Items still in process or on hold may be referred to as “pending” in Online Banking. The available balance changes throughout the day as transactions occur.


Overdraft Protection Plans

Georgia United offers other ways to cover your overdrafts that may be less expensive than standard overdraft practices. You can tell us to “link” a savings or loan account to your checking account, so if you cause an overdraft, we will transfer money from your linked account to pay the overdraft.

A transfer fee of $4.00 will apply each time we transfer funds from your linked savings, checking or money market account. See your Membership and Account Agreement or Share Rate and Fee Schedule for more information.

If you link a line of credit or credit card account, amounts will be added to a line of credit or credit card in increments of $50.00. For example, if your transaction causes an overdraft of $5.00, $50.00 will be charged to your line or card. Fees will be added to the balance and interest will accrue on the entire balance at the rate disclosed in your line of credit or credit card agreement. See your credit card Truth-In-Lending Disclosure for details.

If there is not enough money in any of your linked accounts, your transaction may be rejected and the item will be returned to the merchant. A non‑sufficient fund (NSF) fee of $32.00 will apply each time we reject an item.

You can opt-in or opt-out of the overdraft protection plans at any time by contacting our Member Care Center. For more information, see our Overdraft Protection Plans agreement.


Courtesy Pay is a standard practice provided to eligible members with a Unified Checking Account to help cover unintended overdrafts. If you are in a situation where there is not enough money available in your account, Courtesy Pay may cover the costs of your automatic bill payments, checks and other transactions made using your checking account number. It does not automatically authorize and pay overdrafts for ATM or everyday debit card transactions; this requires a separate opt-in request.

Courtesy Pay is not a loan and is not subject to interest charges or late fees; however, items paid are subject to fees of $32.00 per transaction covered. Overdrafts are paid at the credit union’s discretion and it does not guarantee that we will always authorize and pay any type of transaction.

If you choose to opt-out of this service and incur an overdraft, a non-sufficient fund (NSF) fee of $32.00 will be charged each time we reject an item.

You can learn more about Courtesy Pay and see our Share Rate and Fee Schedule for the most current fees.


helpful account tools

Overdraft fees can be an unnecessary strain on your budget and financial well-being. With some vigilance, however, you can be free of overdraft and NSF fees and make the most of your money.

The best way to minimize overdraft fees is to monitor your account balance and ensure you have sufficient funds at all times. Tools such as Online Banking and the Georgia United Mobile App, are free to use and provide you with account access 24-hours a day. From here, you can set up online account alerts to be notified of transactions, deposits and balances on your account.

We also offer a variety of free financial calculators that can help you create a budget and analyze your expenses. Getting your spending under control and in line with your income is an essential element to building a healthy financial future.

We want you to feel in control of your finances. If you have questions specific to your own situation, please contact our Member Care Center or schedule an appointment and we will be happy to assist you. 



*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 Share Rate and 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 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.