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Welcome North Main Credit Union

On October 2, 2023, North Main Credit Union will officially become part of Georgia United Credit Union. We are thrilled to welcome you to our community. Discover what's new and know what to anticipate during this transition.

Same Great Service With Even More Opportunities

We are pleased to extend a warm welcome to you. With a history of over 65 years of serving Georgia communities, Georgia United Credit Union is dedicated to enriching the lives of our members, team members and the surrounding communities through our purpose-driven mission. 

We are excited to offer you a range of benefits, including an expanded network of branch locations, improved digital banking services and a wider selection of products to cater to your financial needs.

What You Can Expect

During this transition, our primary objective is to minimize any disruptions for members. To assist you in preparing, we have provided a comprehensive overview with all the essential information.

  • Online Banking blackout. During the migration of our systems, North Main's Online Banking service will no longer be available beginning Friday, September 29, at 4 pm. On Monday, October 2, you can enroll in Georgia United's Online Banking service and download the Georgia United Mobile App. You will need your email, phone number, SSN and member number to enroll.
  • New member number and routing number. Your North Main member number will be replaced with a new Georgia United member number. Be on the lookout for important communications about this coming soon.

For additional information about products, statements, Bill Pay and other important services, please see the frequently asked questions below.

You + Us. Let's Make Banking Easier.

Start exploring the possibilities of banking with Georgia United. We look forward to serving you now and into the future.

Frequently Asked Questions

General

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.

Branch hours will stay the same. They are currently Monday, Tuesday, Thursday and Friday from 8 am to 4:30 pm and Wednesday’s from 10 am to 4:30 pm.
The conversion will take place over the weekend, beginning on September 30, 2023. Your accounts will have transitioned and be ready to use as Georgia United on Monday, October 2, 2023. 

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.

261171309

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.

There are no new fees being assessed as part of the change.  In many instances many fees previously charged on your account will be eliminated.  A separate account disclosure and fee schedule was sent on September 1, for information purposes. 

Checking & Savings

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. 
A check order is available by request and as a courtesy, Georgia United will provide you with a complimentary first order of checks. To request checks, please call 888.493.4328 or visit a branch location.

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 clubchecking.com.

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. 

Yes! After the conversion on October 2, you are able to request a Visa Savings Only Debit Card by contacting 888.493.4328 or visiting the branch. 

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. 

Loans & Credit Cards

In November, we will be converting your current Mastercard to a Georgia United Visa® Platinum Card. Cardholders will receive a communication with more details. Until then, everything will remain the same with your card, and our team members at the Cornelia branch will be able to assist with your credit card inquiries.

For MasterCard Credit Card support, please contact:

Card Service or Lost/Stolen: 800.299.9842

MasterCard Credit Card Access

Written Inquiries: 
MasterCard Customer Service 
PO Box 30495 
Tampa, FL 33630 

Payments: 
MasterCard 
PO Box 4521 
Carol Stream, IL 60197-4521 

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.

Services

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. 

You can view your previous North Main member statements online when you enroll in E-Statements in Online Banking. E-Statements are available online for the last 18 months. If you need to view a statement older than 18 months, please contact our Member Care Center at 888.493.4328.

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.  

If you apply for a consumer loan it must be closed by September 29, 2023. 

Unfortunately, we are unable to provide support regarding this product as it is owned by Intuit. Please reach out to Intuit for QuickBooks support at 800.446.8848.
questions about the merger? please call 888.493.4328 and select option 8.
 
*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.