• Checking

    Free Checking Account

Truly Free Unified Checking Account 

Looking for a simple and free checking account? Georgia United's Unified Checking Account offers the ability to earn interest while providing a flexible banking experience. It's a simple, convenient and rewarding checking account for the way you live your life.

Benefits of Unified Checking:

  • 1.00% APY* on account balances up to $15,000
  • No monthly fees and no minimum balance requirement
  • Up to $10* in ATM surcharge refunds each month
  • Courtesy Pay** and Overdraft Protection Options

All checking accounts include:

To maximize your earning potential and receive Unified Checking's enhanced perks, you'll need to:
  • Maintain an average daily account balance of over $1,000
  • Perform at least 15 Georgia United debit and/or credit card transactions during the month
  • Establish a monthly direct deposit(s) of $500 or more (Swift Deposits and external transfers will be treated as a form of direct deposit)
  • Enroll in E-Statements

Ready to open an account?

To become a member of Georgia United Credit Union: 

Open a New Free Checking Account
Find a Branch
Already a member?

Call us at 888.493.4328 or visit a branch.
Find a Branch

Other Checking Account Options Include:

Restart Checking

Everyone deserves a second chance. Let Georgia United Credit Union help you restore your financial outlook and plan for a brighter future with a Restart Checking account. 
  • Monthly service fee
  • Minimum deposit of $25 required to open a Restart Checking account; $25 balance is not required to maintain
  • Direct deposit is required
  • VISA Debit Card and joint account holder allowed

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.
  • ATM card available upon request
  • Online and Mobile Banking access
 To learn more about the program, click here.  

Perks for all Checking Accounts 

Protect Yourself with CyberScout® 

At Georgia United, we are committed to maintaining the security of your personal and financial information, and we take every necessary step to ensure that your accounts are protected. All checking accounts receive free identity theft protection. This includes:

  • A personal advocate who will work with you one-on-one to restore your identity in the event that it is compromised
  • Systematic notification to credit bureaus, creditors, governmental agencies, including credit collectors
  • Preparation of all documents and phone calls needed to resolve your identity theft
  • Comprehensive case file creation to provide assistance to law enforcement
  • A full year of credit monitoring, fraud monitoring and follow-up calls

To learn more about CyberScout®, identity theft protection or to report a lost or stolen VISA® Debit Card or ATM Card, contact our Member Care Center at 770.476.6400, option 3. 

Your checking account with Georgia United offers the added convenience of ATM cards or VISA® Debit Cards. Our ATM and debit cards give you access to more than 100,000 surcharge-free ATMs throughout the US, Puerto Rico, Canada, Guam, Japan and the United Kingdom. You can also access ATMs in more than 170 countries through the PLUS, Interlink, CU24 and AllPoint networks. And with your Georgia United VISA Debit Card, you can make a purchase anywhere in the world VISA is accepted.

Store your cards in your Digital Wallet! Georgia United Debit Cards are compatible with Android Pay™, Apple Pay™, Samsung Pay™ and VISA Checkout. Upload cards to your digital wallet on your compatible devices. Get started today! 

Is it Time to Reorder Checks?

Our secure check reorder site is conveniently located in Online Banking. In Online Banking, go to the Services tab and select Check Reorder. Select from the latest check designs and print accents to create a customized check that’s uniquely you— without having to visit a branch or mail in a check order! Checks may also be ordered from our Member Care Center, at any of our branch locations or by calling 800.Deluxe1.


Click Here for more information on checking accounts opened before May 23, 2017 including:

Free Checking
Thrifty Checking
Quality Checking
Premier Checking


*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 below $1,000, no interest will be earned. **Courtesy Pay fee is $30 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.