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    Start earning interest today in a free checking account

Unified Checking Account - A Truly Free* Account With Options to Earn Interest

Get the most out of your checking account without the extra fees. Our Unified Checking Account lets you choose the way you manage your money every month without having to change accounts along the way. It's a truly free checking account so you'll never have to worry about monthly service fees or a minimum balance. It’s that simple. 

Plus, you can earn interest* with our enhanced perks when you meet certain qualifiers each month.

Enhanced Perks of Unified Checking

Earn 1.00% APY*
on account balances up to
 Interest Earned
Earn 0.10% APY*
on account balances over
  ATM Fees Refunded
 ATM surcharge refunds 
up to $10* each month

It's easy to earn. 
To enjoy the enhanced perks you’ll need to meet the following qualifiers:

  • Perform at least 15 Georgia United debit and/or credit card transactions during the month
  • Make a monthly direct deposit of $500 or more
  • Enroll in E-Statements

Don’t worry. If you don’t meet the qualifiers for enhanced perks this month, there's always next month. Your checking account will still be free. Plus, if your account balance is over $1,000 we'll pay you a more modest rate of interest of 0.10% APY*.

Ready to Open an Account?

Become a Member

Open a New Account

Already a Member?

Find a Branch

Prefer to speak with someone? No problem, contact our Member Care Center at 888.493.4328.

It’s your account, your options. 
Our Unified Checking Account gives members all the features of a convenient account like mobile banking, free identity theft services, Courtesy Pay, overdraft protection and Visa® Debit Cards with chip card technology and shared branching locations.

Debit Card Design Options 
Show your team pride wherever you go and spend with a Bulldogs or Yellow Jackets debit card. Choose your design here

Other Checking Account Options Include:

Restart Checking

We understand that life happens and sometimes you need a fresh financial start. Let Georgia United Credit Union help you restore your financial outlook and plan for a brighter future with a Restart Checking Account.

  • No monthly service fee
  • No minimum deposit required
  • Debit card
After 12 months of positive banking history, you may be eligible to upgrade to our Unified Checking Account and earn interest on your account.

Money Masters Teen Club Checking

Teach your teens financial literacy early on with a Money Masters Teen Club Account. Offered to teens, the Money Masters Teen Club offers account and programs that make money management fun, educational, safe and rewarding.

  • $5 minimum open deposit
  • No monthly service fee
  • Debit card
  • Online and Mobile Banking access

To learn more about the Money Masters Teen Club, click here.

Is it Time to Reorder Checks?

You can securely reorder checks in Online Banking. In your account, go to the Services tab and select Check Reorder. Checks may also be ordered from our Member Care Center, at any of our branch locations or by calling 800.Deluxe1.


*APY = Annual Percentage Yield. Rate may change after account is opened. The APY is accurate as of the last dividend declaration date. If the average daily account balance is over $1,000, then 0.10% APY will be earned. 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 during the month, have a monthly direct deposit of $500 or more and be enrolled in E-Statements; remaining average daily account balances in excess of $15,000 will earn 0.10% APY. If the listed qualifiers for the 1.00% APY have not been met and the average daily account balance is $1,000 or less, no interest will be earned. Overdraft/returned item fees may apply, see fee schedule for additional fees that may apply. **Courtesy Pay fee is $32 per transaction. An overdraft may be imposed on the following transaction categories: checks, online banking, ACH transactions, in-person withdrawals, preauthorized automatic transfers, etc. Your account must be brought current within 30 days of initial use. We typically do not pay overdrafts if your account is not in good standing, or you are not making regular deposits, or you have too many overdrafts. All Credit Union programs, rates, terms and conditions are subject to change at any time without notice. Federally Insured by NCUA.

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.