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Search Georgia United Credit Union's website
  • Checking

    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 is a truly free account so you'll never have to worry about monthly service fees or a minimum balance. It's that simple.

Plus, you'll earn interest just for having an account with us. With our enhanced perks, you can earn 1.00% APY* on balances up to $15,000 and up to $10* in ATM refunds each month when you meet certain qualifiers. Accounts that don't qualify are still free and earn 0.10% APY*.

Earning is Simple

To earn enhanced perks, you’ll need to meet the following qualifiers:

  • 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

Everyday Convenience

Unified Checking gives members all the features of a convenient account like mobile banking, mobile check deposit, free identity theft services, Courtesy Pay**, overdraft protection and shared branching locations. You'll also receive a Visa® Debit Card with several design options to choose from including our Georgia Bulldogs® Debit Card or Georgia Tech® Debit Card.

Ready to Open an Account?

Become a Member

Open a New Account

Already a Member?

Find a Branch

Prefer to speak with someone? Contact our Member Care Center at 888.493.4328.

Additional Checking Accounts

Other checking accounts are available for teens and members who wish to build their financial wellness. 

Simple 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 Simple 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.

To open an account, visit a branch location or call 888.493.4328.

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. 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, 0.10% APY 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.