• Checking

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No matter your age, Georgia United has options to best suit your Checking Account needs.

Checking Choices

Checking "Perks"

Protecting Yourself with Identity Theft 911

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. If you’re a member who has a checking account with us, congratulations! As part of our efforts to ensure your account security, all checking accounts have been upgraded to receive free Identity Theft 911 protection. This upgrade 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 and others, 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
  • Fraud alerts and education

To learn more about Identity Theft 911 protection for your Georgia United checking account, contact a friendly representative from our Member Support Center at 770-476-6400, option #3, or visit your local branch. To report a lost or stolen VISA® Debit Card or ATM card, please call 1-866-677-7156.

Automatic Overdraft Protection

Georgia United checking accounts automatically come with overdraft protection from your share savings account. Members may also choose to have funds automatically transferred from a Zip Line of Credit* or their Georgia United Visa® Credit Card**

*Subject to credit approval and available funds. Please see our Loans section for details on this great financial tool. **Visa Credit Card overdraft option only available to Platinum members.

ATM and Debit Cards

Your checking account with Georgia United offers the added convenience of ATM cards or VISA® Debit Cards. Our ATM and Debit Cards afford 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. With your Georgia United Visa Debit Card, you can make a purchase anywhere in the world VISA® is accepted.

Online Banking Options

With Georgia United Online Banking, managing your finances electronically is easy and hassle free! Set-up is simple— just register your account for Online Banking once to begin enjoying any of the numerous benefits listed below. All you need is your account number to begin!

  • View account balances and history
  • Pay Bills with free electronic Bill Pay
  • Open a new account or apply for a loan
  • Transfer funds between accounts
  • Make loan and Visa credit card payments
  • Verify cleared checks and debit card transactions, or view pending transactions
  • Enroll in or view E-Statements
  • Reorder Checks
  • Check dividends, certificates, and IRAs
  • View current loan payoff amounts and due dates
  • Make loan payments or transfer funds from another financial institution using our QuickPay Transfer Center

Is it time to Reorder Checks?

Our secure check reorder site is conveniently located on your Georgia United Online Banking account page. Just log in to Online Banking and you’ll see “Reorder Checks”. 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 Support Center, at any of our 16 branch locations or by calling 1-800-Deluxe1

Free Checking

Our most popular account is free of monthly service charges when you sign up for Direct Deposit or E-Statements. “Check” it out today!

  • No minimum balance requirement.
  • No monthly service fees (direct deposit or E-Statement required for completely fee-free Checking).
  • Monthly statement/E-Statement provided.
  • Unlimited check writing allowed per month.
  • Unlimited cash withdrawals from the teller window allowed per month.
  • Unlimited electronic transfers to and from other Georgia United accounts allowed per month.
  • Eligible for Visa Check/Debit Card.
  • Automatic overdraft protection available from share.
  • Additional overdraft protection available from Zip line of credit; Visa Credit Card (Platinum members only).
  • Transactions made at any Georgia United ATM machine are free.
  • Instant Access, Online Banking and E-Alerts are available 24 hours a day, seven days a week.
  • Swift Deposit and Mobile Banking eligible.
  • E-Statements available.
  • Free unlimited Online Bill Pay (direct deposit or E-Statement required).
  • Budgeting tools available.
  • Co-Op Shared Branch transactions allowed (standard shared branch rules apply).
  • The National Credit Union Administration (NCUA) insures your deposits (in savings, savings certificates, and share-draft/checking accounts) up to $250,000. IRA’s are insured separately to $250,000.

Thrifty Checking

Don’t have many checking transactions each month? Then our convenient Thrifty Checking Account may be the option for you! Save with our Thrifty Checking Account and pay just a $2.50 monthly service charge for 20 checks (or transactions), with an additional service charge of 30¢ per-item over 20.

  • No minimum balance requirement.
  • First 20 checks/withdrawals are free. Service charge applies per check/withdrawal in excess of 20.
  • Monthly statement/E-Statement provided.
  • Automatic overdraft protection available from share.
  • Additional overdraft protection available from Zip line of credit; Visa (Platinum members only).
  • Eligible for Visa Check/Debit Card.
  • Transactions made at any Georgia United ATM machine are free.
  • Instant Access, Online Banking and E-Alerts are available 24 hour a day, seven days a week.
  • Swift Deposit and Mobile Banking eligible.
  • E-Statements available.
  • Budgeting tools available.
  • Online Bill Pay
  • Co-Op Shared Branch transactions allowed (standard shared branch rules apply).
  • The National Credit Union Administration (NCUA) insures your deposits (in savings, savings certificates, and share-draft/checking accounts) up to $250,000. IRA’s are insured separately to $250,000.

Premier Checking

Enjoy the benefit of an interest bearing Checking account with Premier Checking from Georgia United. Receive monthly dividends when you maintain an average daily balance of $1,000 and enjoy no per-check charges.

  • Minimum balance requirement, however, interest bearing checking account.
  • No monthly service fees (as long as $1,000.00 minimum daily balance requirement is met).
  • Monthly statement/E-Statement provided.
  • Unlimited check writing allowed per month.
  • Unlimited cash withdrawals from the teller window allowed per month.
  • Unlimited electronic transfers to and from other Georgia United accounts allowed per month.
  • Eligible for Visa Check/Debit Card.
  • Automatic overdraft protection available from share.
  • Additional overdraft protection available from Zip line of credit; Visa Credit Card (Platinum members only).
  • Transactions made at any Georgia United ATM machine are free
  • Instant Access, Online Banking and E-Alerts are available 24 hours a day, seven days a week.
  • Swift Deposit and Mobile Banking eligible
  • E-Statements available
  • Budgeting tools available
  • Free unlimited Online Bill Pay (direct deposit or E-Statement required).
  • Co-Op Shared Branch transactions allowed (standard shared branch rules apply).
  • The National Credit Union Administration (NCUA) insures your deposits (in savings, savings certificates, and share-draft/checking accounts) up to $250,000. IRA’s are insured separately to $250,000.

 

Student Checking

It’s never too late to go back to school! And it’s never too late to have a Student Checking account with Georgia United Credit Union. College student members can take advantage of checking programs designed to meet their unique financial needs, regardless of their age. You have to study and write term papers, so let us take care of your checking needs!

Sign up for a Student Checking account with us and receive:

  • Discount loan rate coupon for first car loan.
  • Eligible for Visa Check/Debit Card.
  • Automatic overdraft protection available from share.
  • Additional overdraft protection available from Zip line of credit; Visa Credit Card (Platinum members only).
  • Transactions made at any Georgia United ATM machine are free.
  • Instant Access, Online Banking and E-Alerts are available 24 hours a day, seven days a week.
  • Swift Deposit and Mobile Banking eligible
  • E-Statements available
  • Budgeting tools available
  • Free unlimited Online Bill Pay (direct deposit or E-Statement required).
  • Co-Op Shared Branch transactions allowed (standard shared branch rules apply).
  • The National Credit Union Administration (NCUA) insures your deposits (in savings, savings certificates, and share-draft/checking accounts) up to $250,000. IRA’s are insured separately to $250,000.

Upper Class Checking

Georgia United Credit Union rewards our members for reaching a certain age milestone! Members 55 years of age or over are automatically eligible for free checking with our Upper Class accounts. Let one of our employees know you’re ready for the Upper Class and we’ll get you signed up so you can enjoy benefits such as:

  • No minimum balance requirement.
  • No monthly service fees
  • Monthly statement/E-Statement provided.
  • Unlimited check writing allowed per month.
  • Unlimited cash withdrawals from the teller window allowed per month.
  • Unlimited electronic transfers to and from other Georgia United accounts allowed per month.
  • Free Georgia United Logo Checks and Cashier’s Checks.
  • Free transaction printouts, check copies and Statement copies.
  • Eligible for Visa Check/Debit Card
  • Automatic overdraft protection available from share.
  • Additional overdraft protection available from Zip line of credit; Visa Credit Card (Platinum members only).
  • Transactions made at any Georgia United ATM machine are free
  • Instant Access, Online Banking and E-Alerts are available 24 hours a day, seven days a week.
  • Swift Deposit and Mobile Banking eligible
  • E-Statements available
  • Budgeting tools available
  • Free unlimited Online Bill Pay (direct deposit or E-Statement required).
  • Co-Op Shared Branch transactions allowed (standard shared branch rules apply).
  • The National Credit Union Administration (NCUA) insures your deposits (in savings, savings certificates, and share-draft/checking accounts) up to $250,000. IRA’s are insured separately to $250,000.

 

Restart Checking

Everyone deserves a second chance. Allow Georgia United Credit Union to help you restore your financial outlook and plan a brighter future with a Restart Checking account. We have carefully designed this account to give members a second chance for a checking account. Some of the benefits listed below are another reason why Georgia United demonstrates a level of care and concern for our members that some may be hard pressed to find these days. Let us serve you at Georgia United today!

  • Share Savings membership account with a $5.00 minimum balance required.
  • Minimum Deposit of $25.00 required to open a Restart Checking; no requirement to maintain opening balance.
  • Direct Deposit is required
  • $12.00 monthly service charge.
  • Debit Card allowed
  • Joint Owner allowed.
  • Automatic overdraft protection available from share.
  • Additional overdraft protection available from Zip line of credit; Visa (Platinum members only)
  • Transactions made at any Georgia United ATM machine are free
  • Instant Access, Online Banking and E-Alerts are available 24 hours a day, seven days a week.
  • Swift Deposit and Mobile Banking eligible
  • E-Statements available
  • Budgeting tools available
  • Free unlimited Online Bill Pay (direct deposit or E-Statement required).
  • Co-Op Shared Branch transactions allowed (standard shared branch rules apply).
  • The National Credit Union Administration (NCUA) insures your deposits (in savings, savings certificates, and share-draft/checking accounts) up to $250,000. IRA’s are insured separately to $250,000.
  • Ability to convert to a different Checking account after one (1) year of satisfactory account handling.