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Products & Services | special services
Cub Club Program

• For the youngest Georgia's Own members ages birth to 12 years
• Designed to help parents teach their children the value of consistent savings
• Cub Club Mascot - Willie Bear
• Check out Cyber Willie's Clubhouse

A Cub Club account can be opened with a deposit of $5. Cub Club accounts earn the same dividend as regular savings, and the same excess withdrawal policy applies.

When the account is opened, Cub Club members receive a:

• Color and Storybook
• Cub Club Membership Card
• Cub Club Savings Record

When a new Cubber's account first reaches $250, the child will receive a free bear puppet with congratulations from Willie Bear on saving $250. Cub Club members periodically receive a newsletter from Willie Bear and other fun information and activities.

Club T Program

For teens and young adults ages 13-22, up to 24 with valid student ID, who are sponsored by a qualifying family member.

Program Features:

Club T Savings Account


• account must be opened using Club T member's Social Security Number and a $5 deposit
• earns same dividend as regular savings and same excess withdrawal policy applies

Club T Checking

• No monthly service fees
• No per check fees
• First 50 checks free
• VISA® Check Card is available to Club T Members 15 and older (also doubles as ATM Card)
• 15-17 year olds must have parent as a joint owner on the checking account

Other Free Services

• 5 microfilm copies of canceled checks
• Traveler's Checks at any Georgia's Own Branch Office
• Postage paid return envelopes

Club T Members who are at least 16 years of age can apply for a VISA credit card or other loan, such as a car loan or student loan, provided a parent is a joint applicant; those 18 and older, who earn an income, can apply for an individual credit card or loan.

Golden Bell Program

If you are either retired or age 50 or older, this program is for you because it can save you money and time. And that's important. Join the Golden Bell Program and take advantage of these great benefits:

With a Golden Bell Checking Account

• No monthly service fees*
• No per check fees
• Free wallet checks (certain styles)*
• Free microfilm copies of your canceled checks (up to 5 per year)
• VISA Check Card (also doubles as ATM Card)
• Overdraft protection from your Georgia's Own Savings Account / Line of Credit Loan
• QuickStart Direct Deposit sign-up

*Applies to one Golden Bell Checking Account

Other Special Services

• Postage paid return envelopes for mailing deposits and loan payments
• Stop by any Georgia's Own Branch Office for:

          • Free Cashier's Checks
          • Free Traveler's Checks
          • Discounts on Traveler's Checks for Two
          • Free copy machine service
          • Free notary service

If you qualify, you can be part of the Golden Bell Program by meeting one of the following requirements:

• Open or convert an existing checking account to a Golden Bell Checking Account
• Participate in Direct Deposit of recurring income such as Social Security or Pension
• Deposit $1,000 in a new or existing Savings Account
• Open an IRA or Georgia's Own Certificate Account

To open any of the above accounts, go to applications and complete the necessary information.