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BE DONE WITH ANNOYING FEES

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.

A FREE* CHECKING ACCOUNT THAT PAYS YOU

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:

Earn up to

1.00%
APY*
on balances up to $15,000

Receive up to

$10*
in ATM refunds

 

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.

“
Friendly tellers and good customer service. They're always keeping privacy in mind and always alert members of fraudulent activity in accounts.
- Mohammed K.
“
I have just always felt very safe and comfortable trusting Georgia United with my financial needs. From taking out a loan to taking care of business where my money is concerned, I have always been satisfied with the service I have received.
- Nancy C.
“
I have been with Georgia United since I arrived in Georgia in August 2000. Since that time I have used the credit union for a number of banking activities including my checking and savings accounts. In the 24 years I have been with them I do not have a single complaint. I have always received courteous, professional service from great people.
- Bruce W.
“
Great rates on loans and I have always gotten my direct deposit one day earlier than everyone else. Anytime something out of the norm occurs, they contact me quickly.
- Lorenzo B.
“
I have been with Georgia United for a very long time, since 1986 or so. I have always been satisfied with the professional and courteous service I have received.
- Theresa S.
“
Great service with kind, knowledgeable people with respect for themselves and others.
- Linda S.
“
The staff is always friendly and patient and they take time to listen and handle concerns.
- Monica S.

Get your free* checking account and start earning today!

Open An Account

*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