Last Updated: 01/21/2026
Georgia's Own CU All Access Checking
Unaffiliated
Last Updated: 01/21/2026
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Highlights
Welcome Offer
Starting at $0(Verified 06/21/2024)
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Cashback Rewards
N/A
APY (Annual Percentage Yield)
0.01%(Verified 06/21/2024)
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Monthly Maintenance Fee
$0 - $5.95(Verified 01/21/2026)
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Georgia's Own CU All Access Checking Review
The Georgia's Own CU All Access Checking is offered by Georgia's Own Credit Union, a credit union founded in 1934 and based in Atlanta, GA. Georgia's Own Credit Union checking account is available in 1 state.
Key Takeaways
- Low annual percentage yield (APY). The maximum annual percentage yield for this account is only 0.01% .
- Charges a monthly fee. This account charges a monthly fee of up to $5.95.
- Small minimum initial deposit. You only need $5 to open an account.
- Bill pay. Pay your bills to practically anyone in the United States when you enroll in Georgia's Own Credit Union mobile or online banking.
Georgia's Own Credit Union checking account Pros & Cons
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Georgia's Own Credit Union checking account FAQ
Are checking accounts from Georgia's Own Credit Union federally insured?
No, your Georgia's Own Credit Union checking accounts are not insured by a federal insurance agency. This means that if Georgia's Own Credit Union were to fall into financial difficulties, your deposits are not covered by a government-backed insurance fund like the FDIC or NCUSIF.
What APY does Georgia's Own Credit Union checking account offer?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| APY (Annual Percentage Yield) | 0.01% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Georgia's Own Credit Union checking account offers an APY of 0.01% (APY stands for annual percentage yield, rates may change).
What are the account minimums for Georgia's Own Credit Union checking account?
Georgia's Own Credit Union checking account requires a minimum initial deposit of $5.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Opening Deposit | Starting at $5 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
What fees does Georgia's Own Credit Union checking account charge?
This account charges a monthly maintenance fee each statement cycle of up to $5.95.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Monthly Maintenance Fee | $0 - $5.95 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Paper Statement Fee | Starting at $2 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| ATM Fee: In-Network | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| ATM Fee: Out-of-Network (within the U.S.) | Starting at $2 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| NSF Fee | $33 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Overdraft Item Fee | Starting at $33 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Early Account Closure | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Deposit Fee (Domestic) | Starting at $30 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Card Replacement Fee (Standard Delivery) | Starting at $5 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Online Bill Pay Fee | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Stop Payment Fee | Starting at $30 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Transaction Fee (Debit Card) | Starting at 2% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Wire Transfer Fee - US Domestic (Outgoing) | Starting at $20 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Wire Transfer Fee - International (Outgoing) | Starting at $50 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Wire Transfer Fee - International (Incoming) | Starting at $50 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Deposit Fee (International) | Starting at $30 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Wire Transfer Fee - US Domestic (Incoming) | Starting at $12 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does Georgia's Own Credit Union checking account charge overdraft fees?
Yes, Georgia's Own Credit Union checking account charges a $33 fee for every overdraft.What features and perks does Georgia's Own Credit Union checking account offer?
This account includes the following features:
- Fraud monitoring - Georgia's Own Credit Union checking account monitors transactions for potentially unauthorized activity, such as when a debit card is unexpectedly used in a different location or you make a sudden string of costly purchases.
- Online Bill Pay - Online Bill Pay allows you to pay bills easily from your account.
- Mobile Banking Services - Georgia's Own Credit Union checking account allows you to manage your money online or with a mobile app. This includes depositing checks1 in your account with a mobile app on your smartphone.
- Nationwide ATM network - Conveniently transact at a nearby ATM.
What is the customer support email for Georgia's Own Credit Union checking account?
The customer support email for Georgia's Own Credit Union checking account is memberservices@georgiasown.org.
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Georgia's Own CU All Access Checking Community Reviews
Would you recommend Georgia's Own CU All Access Checking to your friends?
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Natalie S.
Oct 26, 2023
May or may not recommend
Georgia's Own CU All Access Checking has been a revelation in my banking experience. It provides everything I need in a checking account and more. With no monthly fees and a host of features like mobile check deposit, a user-friendly app, and online banking, managing my finances has become a breeze. Access to thousands of fee-free ATMs across the country is incredibly convenient. What sets it apart, though, is Georgia's ...Show More
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