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Frequently Asked Questions

Get answers to our most commonly asked questions.

General FAQs

Yes, your money is safe with us and insured by the NCUA up to $250,000 per member-owned account.

 

To set up direct deposit, please contact your employer's payroll department. You will need to provide them with the routing number 261171309 and your 13-digit account number, which can be located in Online Banking or the Georgia United Mobile App.

You can locate your 13-digit account number securely in Online Banking or the Georgia United Mobile App. Once logged in, click the account (ex. Enriched Spending) and on the account details screen you can view your account number.

Georgia United's routing number is 261171309.

To quickest way to apply for a new loan or refinance your existing loan is to complete our online loan application. Applications can also be completed by calling 888.493.4328 or scheduling an appointment at a branch location.

 

You can apply for membership by completing our online application. 

To open an account for someone under the age of 18, please visit a branch or call us at 888.493.4328. Note that a joint owner must be on the account for children and teens.

 

If you need to cancel or reschedule an appointment time, please click the link located below your confirmation number in your confirmation email. If you are more than 15 minutes late to your scheduled appointment, Georgia United may need to cancel your appointment. 


 

There are several ways to get your banking done, based on what’s most convenient for you:

  • Bank online. Manage your entire relationship online when you enroll in Online Banking. You'll be able to check your balance, pay bills and transfer funds from your home. See what else you can do with Online Banking.
  • Bank on mobile. Get the convenience of Online Banking on your mobile device—plus you can deposit checks* in a snap. Download the Georgia United Mobile App ( Android and iOS) to get started. See what else you can do with Mobile Banking.
  • Bank at the ATM. Check your balance, deposit cash or checks or make a withdrawal at our network of over 100,000 surcharge-free ATMs. Find one near you.
  • Find a nearby branch. Check our website for branch availability to see if there's another branch nearby.

 

*Items transmitted using this service are not subject to the funds availability requirements of the Federal Reserve Board Regulation CC. Mobile check deposits are subject to verification and may not be available for immediate withdrawal.

You can securely reorder checks in Online Banking. Once you log in, click on the account you want to order checks for and select the ‘Reorder Checks’ button. Check reorders may also be placed by calling our Member Care Center at 888.493.4328, at any of our branch locations or by calling 800.Deluxe1.

If this is your first-time ordering checks, you will need to call 888.493.4328 or visit a branch location to place your order.

Additional FAQs

Account Alerts

You can set up alerts in your Online Banking account. On the menu, go to 'Services' and click 'Alerts'.

You can choose which alerts you want to receive and how you'd like these delivered. Alerts can be sent via text, email or push notification directly to your mobile device.

To turn off alerts, log into your Online Banking account. On the menu, go to 'Services' and click 'Alerts'. Select the alert you wish to discontinue and toggle the switch off to stop receiving alerts.

You may choose to switch off account alerts at any time. However, security alerts are enabled for your account protection and cannot be disabled. 

You can update your email address in Online Banking by:

  • Selecting 'Services' from the main menu
  • Click on 'Member Information'
  • Update your email address
  • Click 'Save'

Account alerts are only available if you have a Georgia United Online Banking account. If you don't have an account, you can enroll anytime.

Cards

If you have a Georgia United Cash Back Visa Signature® Card or Platinum Visa® Credit Card and need quick access to cash, you can request a cash advance at any of our branch locations or in Online Banking. To request a cash advance through Online Banking, you will follow the same steps you use for making a transfer. Navigate to the 'Transfer' menu, choose your credit card from the 'From' dropdown list, and then select the account into which you wish to transfer the funds. Please note, a fee of 2.00% applies to each cash advance over $2.00. Please see our Credit Card Terms & Conditions for more information. 

You can activate your card by calling 866.677.7156.

You can dispute a transaction in Online Banking anytime following these simple steps. Disputes can also be filed at a branch or by calling 888.493.4328.

Yes! You can pay with the tap of your phone when you add your Georgia United Visa® Card to your digital wallet like Apple Pay, Google Pay and Samsung Pay. Learn more about digital wallet.
Once you've opened your Georgia United Credit Card, transferring your balance is a breeze. Log in to Online Banking and on the main menu click 'Services' then select 'Balance Transfer' to submit your request. You can also request a balance transfer by calling our Member Care Center at 888.493.4328 or by visiting a branch location. 

You can set up alert notifications in Online Banking. On the menu, select ‘Services‘ and click ‘Alerts’. To set up a new alert, select your delivery preference (email, text or push notification) and toggle the alert on. There are several different alert types you can set up:

  • General alerts
  • Share alerts
  • Loan alerts
  • Security alerts
For cards, the most common alert type is to get notified when a transaction posts. This can be done by setting up a Share alert. Select the transaction type (debit/credit) and transaction amount you want to be notified about. For example, if you only want to know about purchases over $100, you can specify this amount or if you want to know about every transaction, you can choose to get alerts for purchases more than $0.01.

If your card is worn and needs to be replaced before expiration, you can order the same card in Online Banking by following these steps: 

  • Login to Online Banking
  • Click 'Services' in the navigation menu
  • Select 'Manage Cards'
  • Select the card you would like to replace
  • Then choose 'Request Replacement Card'

Please note, replacement cards are issued with the same card number so this option is not recommended for lost/stolen cards.

If your card is lost/stolen or you suspect fraud, you can quickly freeze your card in Online Banking. To order a new card with a new card number, we'll be happy to assist you. Please call our Member Care Center at 888.493.4328 or stop by a branch location.
If you've misplaced your card, quickly freeze it in Online Banking any time of day, or you can contact our Member Care Center at 888.493.4328 during business hours. To freeze your card online:
  • Log in to Online Banking or the Georgia United Mobile App
  • Click 'Services' in the navigation menu
  • Select 'Manage Cards'
  • Select the card you would like to freeze and choose 'Freeze Card'

Once your card is found, you can unfreeze it following these same steps. 

Courtesy Pay

You can opt-out of Courtesy Pay at any time by completing one of the following:

Yes, overdrafts may not be paid if your account is not in good standing, you are not making regular deposits or you have too many overdrafts. We pay overdrafts at our discretion, which means we will not guarantee we will always authorize and pay any type of transaction when there is not enough money available in your checking or designated overdraft protection accounts to cover the item. The account must be brought to a positive balance on or before the 30th day from the date of the initial overdraft item to continue use of this service.

 

A notice will be mailed (or emailed if you receive E-Statements) if your account has not been brought current within 10 days of using Courtesy Pay. You will continue to receive periodic notices.

 

Your account should be brought current as soon as possible. In order to avoid interruption of Courtesy Pay service, your account must be brought current within 30 days of initial use.

 

No, there is no fee to opt-in.

 

Overdraft Protection uses an existing account or line of credit that you have designated to automatically transfer money from one to the other when you exceed your checking account balance. When that has been exhausted, Courtesy Pay will cover your transaction(s) up to your authorized overdraft limit based on your account activity. It’s another line of defense when overdraft protection is not enough.

 

Courtesy Pay is a discretionary service that is available just in case you need it. There is no cost to you unless you use the service, and it will only be used as a last line of defense after Overdraft Protection has been exhausted.

 

There is no cost unless the service is used. When an item is covered into overdraft using Courtesy Pay, a $35 fee may be charged for each presentment. Using Courtesy Pay may be more costly than other overdraft payment options we may offer.

 

E-Statements

You can update your email address in Online Banking by:

  • Selecting 'Services' from the main menu
  • Click on 'Member Information'
  • Update your email address
  • Click 'Save'
E-Statements are available online for the last 18 months. If you need to view a statement older than 18 months, please contact our Member Care Center at 888.493.4328.

 

You will receive an email notification.

 

Mobile Deposit

To deposit a check for Mobile Deposit, you must write "For Mobile Deposit at Georgia United" along with your signature on the back of the check. Checks submitted without both of these items may be delayed or returned.

Yes. You can view your deposit limits on the Deposit Check screen under the check amount.

Deposits accepted using the Mobile Deposit service will be available within two business days. Business days are Monday – Friday, excluding federal holidays.

If we have reason to doubt the collectability of the check submitted, we may delay the availability of funds for a reasonable period. In such cases, we will notify you of this action.

We recommend that you mark your check as submitted and retain your check for 10 days after the deposit is posted to your account. 

Person-to-Person Pay

If the recipient selects to receive funds via debit card or to a Georgia United account, your account will be debited at the time they submit their information. If recipient chooses to receive funds directly to their external account and submit their information before 5 pm ET, your account will be debited the same day. If the recipient submits their information after 5 pm ET, your account will be debited on the next business day. If the recipient is receiving funds to a Georgia United account, the account will be debited immediately.

You can send money to anyone in the United States with a checking or savings account at any bank or credit union or another Georgia United member.

The recipient will receive funds immediately if they choose debit card or a Georgia United account as their delivery method. Recipients who submit their external account information and routing number before 5 pm ET can expect deposits the next day. If they submit their information after 5 pm ET, the funds will be deposited the second business day after the payment is accepted.

  • To receive funds by debit card, the recipient will need to provide their debit card number and expiration date.
  • To receive funds directly to their external account, the recipient will need to provide their checking or savings account number and routing number. 
  • If the recipient is another Georgia United member, they will only need to provide their member number, share ID and account type (checking or savings).

A security question will need to be answered the first time the recipient receives funds via debit card or external account or if the security question is updated.

If the recipient does not respond correctly after three attempts, the process of sending funds will not begin and the transaction will be canceled. You will be alerted by your preference of email or text if this occurs. 

Once the recipient has answered the security question correctly and entered their information to claim funds, they are no longer required to answer a security question for future payments – unless you change the question and/or answer.

There is no fee to use the service. Overdraft/returned item fees may apply, see Share Rates and Fees Schedule for additional fees that may apply.

Payment will be canceled if the recipient does not claim funds within seven calendar days. 

Georgia United P2P is accepted by many debit networks including Accel, CULIANCE (formerly CU24), NYCE, Plus, Shazam and Star. To confirm a debit card can accept the funds sent, check the back of your card for one of these network logos.

Shred Events

Effective January 1, 2022, Georgia United will no longer offer free paper shredding events. Although we have hosted these events for many years, the rising costs and scheduling challenges during the pandemic have caused us to discontinue this service.

The best way to reduce the risk of identity theft or your information falling into the wrong hands is to go paperless and enroll in E-Statements. This free service allows you to receive your member statements securely in Online Banking.

We encourage you to google “free shred events” or contact your county’s waste management service for similar services in your area.

Skip-A-Pay

If you've already completed two skips this calendar year, you won't be eligible to skip another payment until next year.

If you are experiencing extreme hardship, we may be able to help. We can do a full financial review to see how Georgia United can assist you in your time of need. Please email us your name, contact information and a description of your situation and we will reach out to you with more details.
Yes. Once you are approved to skip your payment, you will also need to cancel or postpone any automatic payments to your loan for that month.

 

Yes, a $40 fee is charged each time a payment is skipped.

You may complete two skips per calendar year.

Transfers & Payments

No. Georgia United does not attempt the transaction more than once. For recurring transactions, the scheduled transfer will continue to initiate payment on the next scheduled payment date. Payments that are missed will be the member’s responsibility to set up a one-time transaction to cover the missed payment and any additional fees.

 

You are obligated to have sufficient funds in your account to fund a transaction. If the funds are not available in your account, you may be charged an NSF fee by Georgia United or your other financial institution.

See Share Rates and Fees Schedule for additional information.

No. There is no fee assessed by Georgia United to perform this transaction as long as funds are available in the account. Overdraft/returned item fees may apply, see Share Rates and Fees Schedule for additional fees that may apply.
If the member authorizes the payment and the start date falls on a weekend or a holiday, the transaction will settle the next business day.
To cancel a pending transaction, we must receive your request to cancel prior to 2 pm ET on the scheduled transfer date.
To cancel your transaction request, select 'Transfers' on the main menu in Online Banking. Click on the transfer you want to cancel under 'Scheduled Transfers' and select 'Delete'.
Yes, Georgia United allows a maximum of $2,500 per day.
Funds are transferred by Automated Clearing House (ACH).

You will need to contact the other financial institution to verify and confirm the information required for completing the transfer request. You will then need to update the information in the external transfers section of Online Banking.

  1. The account name
  2. The 9-digit routing number of the financial institution
  3. Account number
  4. The account type. Funds can only be transferred to/from a savings or checking account.

Image below: reference where to find your 9-digit routing number and your account number.

an image of a check

For step-by-step transfer instructions, view our Online Banking user guide.