Frequently Asked Questions

Updating all the accounts that your old card is linked to can seem overwhelming. Using CardSwap, Georgia United cardholders can update the preferred payment method for your favorite digital services in one centralized location within Online Banking.

You can set up alert notifications in Online Banking. On the menu, select ‘Services‘ and click ‘Alerts’. To set up a new alert, click ‘New Alert’. There are several different alert types you can set up:

• Account alerts – get notified when your balance goes above or below a specified amount
• History alerts – get notified when credits or debits post to your account
• Online transaction alerts – get notified when online activity occurs like a funds transfer

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:

1. Log in to Online Banking or the Georgia United Mobile App.

2. From the navigation, select 'Cards' and click 'Manage Cards'.

3. Select your card.

4. From the drop-down, choose 'Freeze Card'.

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

You can opt-out of Courtesy Pay at any time. To opt-out:

• Download the Courtesy Pay Opt-Out Form
• Contact our Member Care Center at 888.493.4328
• Visit one of our branch locations

   

You can update your email address in Online Banking by:

• Selecting 'Settings' in the top navigation
• Click on 'Update Personal Information'
• Select 'Physical Address' to update your contact information

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.

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. 

Your account will be debited at the same time the recipient submits their information and chooses to have the funds delivered via debit card. If recipients choose to receive funds directly to their account and submit their information before 5 pm EST, your account will be debited the same day. If the recipient submits their information after 5 pm EST, your account will be debited on the next business day. 

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

The recipient will receive funds immediately if they choose debit card as their delivery method. Recipients who submit their account information and routing number before 5pm EST can expect deposits the next day. If they submit their information after 5 pm EST, 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 account, the recipient will need to provide their checking or savings account number and routing number. 

If the recipient does not respond correctly after three attempts, the process of sending funds will not begin. 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 ScheduleShare Rates and Fees Schedule for additional fees that may apply.

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

Georgia United P2P Pay 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.

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.

If you've completed two skips within a rolling 12-month period, you won't be eligible to request another skip until one year after the date of your first skip; however, 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.

You may complete two skips per rolling 12-month period; however, you may not skip two consecutive months. 

1. The name of the financial institution
2. The 9-digit routing number of the financial institution
3. Your account number and account type at the financial institution Funds can only be withdrawn from a savings or checking account. Image below: reference where to find your 9-digit routing number and your account number.

To transfer to and from an external account, you will first need to verify your external account by completing the following steps:

1. Add External Account. In Online Banking, go to the 'Services' tab and select 'Add External Account'. Enter your external account information and click Submit. Two micro-deposits will be made into the account that you have entered. You should typically see these within five business days.
2. Verify External Account. Once you have received your deposits, log in to Online Banking and verify your account. Go to the 'Services' tab and select 'Verify External Account Requests'. Select the account you would like to verify and enter the amounts of the two micro-deposits. Click Submit.

Please note, if the account is not verified within 10 days the request will expire.

Once Initial Setup is complete, to transfer money to or from an external account, go to the ‘Transfers and Payments’ tab and select ‘Funds Transfer’. Your external account will be available in the drop-down.