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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.

Some features such as making deposits available as soon as you receive them is very helpful.
- Patricia O.
My deposits show up very fast and everyone at the credit union is very very helpful and polite. I have no complaints.
- Sherry F.
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 $100,000, 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.

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 0.19%. 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. Deposits accepted using this service will be available within two business days. Georgia United may make such funds available sooner.

***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