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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

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in Checking Accounts from Georgia's Own Credit Union

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Highlights
Monthly Fee $0 - $5.95
ATM Fee: Out-of-Network $2
Minimum Balance to Avoid Monthly Fee N/A
APY (Annual Percentage Yield) 0.02%

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, a 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 0.02%.
  • 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.
  • Bill pay. Pay your bills to practically anyone in the United States through Georgia's Own Credit Union.
Georgia's Own Credit Union checking account Pros & Cons
Pros Cons
  • Interest-yielding account.
  • Insured by NCUA.
  • Access to physical branches.
  • Free debit card
  • Access to a nationwide network of ATMs.
  • No signup bonus.
  • No ATM access to Georgia's Own Credit Union All Access Checking.
  • 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) 0.02%

Georgia's Own Credit Union checking account offers an APY of 0.02% (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 checking account Account Minimums
Description Amount
Minimum Opening Deposit $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 $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:

  • 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 checks in your account with a mobile app on your smartphone.
  • Nationwide ATM network - Conveniently transact at a nearby ATM.
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Other Services by Georgia's Own Credit Union

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 $2
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
APY (Annual Percentage Yield) 0.02%

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