Welcome North Main Credit Union

With the upcoming retirement of CEO Melany Ward, we want to ensure that we continue to bring the most innovative products and services to our members while continuing to grow our membership base and areas of service. Joining Georgia United will allow us to offer more robust products and services, better loan and savings rates, expanded digital services, more physical locations across the state and increased operating efficiencies. Because we both share very similar cultures and values, this merger will allow us to have a greater impact on the community while ensuring the same level of service to our members.

Yes. Effective Monday, October 2, 2023, your account numbers and routing number will change. You will receive a welcome letter with your member card containing your unique member number.

Your account number is a 13-digit number that identifies each savings, checking or loan account you have. You can locate your account number securely in Online Banking or the Georgia United Mobile App. Once logged in, click the account on the Dashboard and on the account details screen you can view your account number.

You can also visit your local branch or contact us at 888.493.4328 to request this information.

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Monday, October 2, 2023 

You will have access to 13 full-service Georgia United branches; including the existing branch in Cornelia. For a complete list of all locations, please visit gucu.org/locations.  

Yes. Your savings will continue to be federally insured by the National Credit Union Administration (NCUA) up to $250,000 per account holder. The NCUA insures IRAs separately up to $250,000. This coverage is identical to the coverage at North Main Credit Union.

Beginning, Friday September 29 through Sunday, October 1: North Main Credit Union debit cards will have reduced limits. If you have any anticipated large expenditures for these dates, please be prepared to use your North Main credit card or withdraw cash at the Cornelia branch or ATM+, located at 255 N. Main Street, Cornelia, GA 30531. Your North Main debit card will no longer be active after Sunday, October 1.

Monday, October 2: If you are a debit cardholder, you may activate and begin using your new Georgia United Visa® Debit Card. Please discontinue using your North Main debit card on October 2, and securely destroy your card. You may also bring the card to our office for secure destruction. Remember to update your card number with any merchants that have your information on file for automatic payments as your card number will have changed.   

Your new Georgia United Visa Debit Card will be equipped with more options:

• Contactless Payments: Tap your card to pay wherever you see a contactless symbol for a quick, secure, convenient, and touch-free transaction!  
• Digital Wallet Compatibility: Add your card to Apple Pay, Google Pay or Samsung Pay on your mobile device to protect yourself from data breaches, add an additional layer of authentication prior to use and to allow you to conduct touchless payments. 

We would like you to begin using your new Georgia United checks as soon as you request and receive them. Outstanding North Main checks will clear through your new Georgia United account.   

Your North Main Secure Checking Account will be grandfathered in, however, no more additional Secure Checking Accounts can be opened. Visit gucu.org/checking for a complete list of Georgia United checking account products. To access your Econocheck benefits for your Secure Checking, your existing username/password will continue to work through securechecking.com.

If you have a Secure Checking Account, you can access your Econocheck benefits by using your existing username and password at securechecking.com. This account includes a $5 monthly service fee that will continue after the merger. APY is paid on deposits of $0.01 or more and compounds monthly.

Georgia United ATM+ machines are completely free when you use your Georgia United Visa Debit Card! We also won’t charge you a fee to use a non-Georgia United ATM, however, the issuing ATM might charge you a fee. To find an ATM in our network that won’t charge you a fee; visit gucu.org/locations and select the extended network link. 

Nothing needs to be done and your direct deposit will continue without interruption. However, we encourage you to check all your deposits and recurring transactions to ensure there are not any payment or transfer interruptions. For any new transactions we recommend that you provide your new routing/transit number and account number. 

Your current Mastercard has been converted to a Georgia United Visa^® Platinum Card. You can now conveniently view and manage your card in Online Banking. Follow these simple steps to make a credit card payment:

• Make a payment from my Georgia United checking or savings account
• Make a payment from another financial institution

There are several convenient ways in which loan payments may be made: 

• Online Banking
• ATM+  
• Debit Card 
• In-person at the branch
• Instant Access Telephone Teller 

We encourage you to make loan payments online through Online Banking or the mobile app. For all your options, please visit gucu.org/paymyloan. For mail, please make sure to include your current loan number and loan type.

Our Mortgage Servicing team is here to assist you with any questions you may have about your mortgage. They can be reached at 877.330.4047.

Mortgage payments can be made in Online Banking, in branch or by calling 877.330.4047. For more details, please visit our Mortgage Servicing page.

Yes. With Georgia United’s free Instant Access Telephone Teller, you can bank around-the-clock. Using any touch-tone phone, you can check account balances, transfer funds, confirm that a check has cleared, make withdrawals and more. You will use your new member account number and a password that you create to access Georgia United’s Instant Access Telephone Teller at 800.226.3584.

On Friday, September 29, at 4 pm you will not be able to access Online Banking or the mobile app through NMCU. Upon merger completion on Monday, October 2, 2023, you will be able to register for Online Banking through gucu.org. We will be sending enrollment instructions to you. Once registered, you will have full access to your accounts and all online services such as Bill Pay and E-Statements. You will need to re-establish Bill Pay payees and payments to ensure there are no payment disruptions. 

In addition to the current North Main branch location, Georgia United offers 12 convenient banking locations. You will have access to a wider array of consumer banking products and services – savings and checking, loans and mortgages – each with different features and benefits to provide the financial solution that works best for you.  Georgia United also offers a full suite of services including Online Banking, Mobile Banking with Mobile Deposit*, ATM+ and Visa debit and credit cards.  

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