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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.

SMART Financial Tips: Improving Your Credit Score

 

Coach Kirby Smart has some tips to help you improve your credit score.

 

 

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. 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.