Skip to main content


Get the most out of your checking account without the extra fees. Georgia United Credit Union's Unified Checking Account is a truly free account so you'll never have to worry about monthly service fees or a minimum balance. It's that simple.


Georgia United's Unified Checking Account is free and packed with features that make banking easier and more rewarding.

  • No monthly service fees and no minimum balance requirement
  • Earn interest each month
  • Quickly access funds with a Visa® Debit Card
  • Manage your account 24/7 with Mobile Banking
  • Deposit checks from anywhere with Mobile Deposit**
  • Get your paycheck up to two days earlier***

Plus - Get Rewarded for Things You're Doing Every Day

In addition to the everyday features and benefits, you can also earn more each month with enhanced perks:


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

Get Your Paycheck Earlier***!

When you set up direct deposit to your Georgia United Account, we’ll deposit your money as soon as we receive it! Most employers process payroll a few days before payday and most banks make you wait until payday to see your money hit your account. At Georgia United, we give you access to your money immediately so you don’t have to wait.

Came to this branch yesterday; spoke to the manager about opening an account. I had such great experience, super helpful and informative. I will definitely be joining the credit union when I become a permanent resident of Georgia.
- Maria S.
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.

Get your free* checking account and start earning today!

*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 0.05%. 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.

**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.

***The availability of direct deposit funds depends on the timing of the submission of the payment file from the payer. Georgia United generally makes these funds available on the day the payment file is received, which may be up to two (2) days earlier than the scheduled payment date. For ACH deposits, dividends will begin to accrue on the effective date of the deposit. The effective date, or scheduled payment date, is the actual day Georgia United receives credit for the deposited funds.

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.

Insured by NCUA