New to Georgia's Own?

Early access to direct deposit funds depends on the timing of the submission of the payment file from the payer. We generally make these funds available on the day the payment file is received, which may be up to two (2) days earlier than the scheduled payment date. Click here for FAQs.

Offer valid April 1, 2026 through June 30, 2026. To be eligible for this offer, apply online or at a branch with promotion code BONUS240. You can earn a bonus of $20 each monthly statement cycle for up to 12 months beginning with the first statement cycle following account opening when you open a new All Access Checking account and complete the qualifying requirements detailed below. Maximum cash bonus for this offer is $240. To receive the bonus: 1) Open a new All Access Checking account with promotion code BONUS240 by June 30, 2026; 2) Enroll in online banking; 3) Complete 15 qualifying debit card purchases during each statement cycle. A qualifying debit card purchase is a purchase of $5.00 or greater; AND 4) Establish and receive qualifying direct deposit(s) totaling $1,500 or more per monthly statement cycle. Your qualifying direct deposit must be established within 30 days from account opening. Qualifying direct deposits are regular, periodic Automated Clearing House (ACH) credits, which may include payroll, salary, pension, or government payments (such as Social Security). Deposits that do not qualify include peer-to-peer (P2P) networks such as PayPal, Zelle®, Venmo, or other P2P payment services. Transfers from another Georgia’s Own deposit account also do not qualify. After you have completed all initial and monthly qualifying requirements, the $20 monthly bonus will be deposited into your new checking account within 14 days from the end of the previous statement cycle. Your account must remain open and in good standing through the duration of the 12-month promotional period. Should your account reach a negative balance any time during the promotional period, the bonus will be forfeited for the remainder of the promotional period. Bonus eligibility will be determined each month. If monthly requirements are not met in a given month, you will not receive a bonus for that period. You may still earn bonuses in subsequent months during your 12-month promotional period, provided initial and monthly qualifying requirements are met and a positive balance is maintained. This offer cannot be used in combination with any other checking offer. Offer does not apply to business, employee, second, or multiple checking accounts with Georgia’s Own. Offer is not available to existing Georgia’s Own checking account holders, or those whose accounts have been closed within 90 days or closed with a negative balance within the last three (3) years. Account terms are effective as of April 1, 2026. The Annual Percentage Yield (APY) for Georgia’s Own All Access Checking is 0.01% APY for all balances. Rates are variable and subject to change at any time. Fees may reduce earnings. Bonuses are considered income for tax purposes and will be reported to the IRS as required by law.

APR = Annual Percentage Rate. Rates effective as of April 1, 2026. Promotional period begins April 1, 2026 and ends April 30, 2026. Advertised “as low as” APR assumes excellent borrower credit history. Your APR and loan terms may vary based on several factors including creditworthiness, age of the collateral, or length of the loan term. Your actual APR may be higher than the stated rate. Ask a loan officer for details on how your rate is determined. Payment example: A 2026 boat financed for 240 months @ 6.39% APR would have a monthly payment of approximately $7.39 per $1,000 borrowed. Advertised rate and payment example include a 0.25% auto pay rate discount. Loans are subject to credit approval. Additional terms, conditions, and limitations may apply.

Member must establish auto pay on their direct vehicle loan from a Georgia’s Own checking account to qualify for rate discount. Cannot be combined with any other offer. Offer valid through December 31, 2026. Employees are not eligible for auto pay rate discount.