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  Georgia's Own Credit Union All Access Checking
Georgia's Own Credit Union All Access Checking
in Checking Accounts from Georgia's Own Credit Union
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Georgia's Own Credit Union All Access Checking

Unaffiliated
in Checking Accounts from Georgia's Own Credit Union
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Highlights
Cashback Rewards N/A
APY (Annual Percentage Yield) 0.01%
(Verified 07/11/2022)
Monthly Fee $0 - $5.95
Minimum Balance to Avoid Monthly Fee N/A

Georgia's Own Credit Union All Access Checking Review

Georgia's Own Credit Union All Access Checking is offered by Georgia's Own Credit Union, founded in 1934 and based in Atlanta, GA. Georgia's Own Credit Union All Access Checking is available in 1 state across the USA.

Key Takeaways
  • Low APY. The maximum annual percentage yield for this account is only 0.01%.
  • Charges a monthly fee. This account charges a monthly service fee of up to $5.95.
  • Small minimum initial deposit. You only need $5 to open an account.
Georgia's Own Credit Union checking account Pros & Cons
Pros Cons
  • Interest-yielding account.
  • No signup bonus.
  • Does not offer mobile check deposits.
  • Does not provide access to a nationwide ATM network.
  • Does not come with a debit card
  • Not FDIC-insured.
  • Only available in one state.
  • Higher than average wire transfer fees.
  • Monthly service charge.
  • Charges a higher than average fee on out-of-network ATM transactions.
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?

Georgia's Own Credit Union All Access Checking Rates & Terms
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 to open an account.

Georgia's Own Credit Union All Access Checking Minimums
Description
Minimum Opening Deposit Starting at $5

What fees does Georgia's Own Credit Union checking account charge?

This account charges a monthly service fee of up to $5.95.

Georgia's Own Credit Union All Access Checking Fees
Description
ATM Fee: In-Network $0
Debit Card Replacement Fee $5
Early Account Closure $0
Foreign Transaction Fee (Debit Card) 2%
Monthly Fee $0 - $5.95
NSF Fee $33
Online Bill Pay Fee $0
Overdraft Item Fee $33
Overdraft Protection Fee (per transfer) $6
Paper Statement Fee $2
Returned Deposit Fee (Domestic) $30
Returned Deposit Fee (International) $30
Stop Payment Fee $30
Wire Transfer Fee - Domestic (Incoming) $12
Wire Transfer Fee - Domestic (Outgoing) $20
Wire Transfer Fee - International (Incoming) $50
Wire Transfer Fee - International (Outgoing) $50
ATM Fee: Out-of-Network Starting at $2

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.

Georgia's Own Credit Union checking account offers overdraft protection at a cost of $6 per transaction.

What features and perks does Georgia's Own Credit Union checking account offer?

This account includes the following features:

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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Message From Georgia's Own Credit Union

You want choices. We give them to you. Georgia’s Own members can choose from variety of checking options, all including benefits that go from basic to anything but. All Access Checking Our basic checking account for all qualified Georgia’s Own Members. You don’t need anything fancy, just the basics. Of course, our version of “the basics” is pretty sweet! Check all you get with our All Access Checking.

Availability

  Available in 1 state
Georgia
Availabile in all of Georgia

Feature Breakdown

Minimum Opening Deposit Starting at $5
ATM Fee: In-Network $0
Early Account Closure $0
Online Bill Pay Fee $0
Debit Card Replacement Fee $5
Foreign Transaction Fee (Debit Card) 2%
Monthly Fee $0 - $5.95
NSF Fee $33
Overdraft Item Fee $33
Overdraft Protection Fee (per transfer) $6
Paper Statement Fee $2
Returned Deposit Fee (Domestic) $30
Returned Deposit Fee (International) $30
Stop Payment Fee $30
Wire Transfer Fee - Domestic (Incoming) $12
Wire Transfer Fee - Domestic (Outgoing) $20
Wire Transfer Fee - International (Incoming) $50
Wire Transfer Fee - International (Outgoing) $50
ATM Fee: Out-of-Network Starting at $2
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Verification Documents Required
  • Driver License (or other photo ID)
  • Proof of Identity
  • Government Issued Photo ID
  • Social Security Number
Account Features
  • Free Bill Pay
  • Mobile Check Deposit
  • Interest Bearing Account
  • Nationwide ATM Network
  • Mobile Banking
  • Fraud Monitoring
  • Fraud Protection
  • Debit Card
  • Insured by NCUA
  • Branch Access
Signup Bonus Starting at $0
APY (Annual Percentage Yield) 0.01%
(Verified 07/11/2022)

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