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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 June 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.

Advertised “as low as” Annual Percentage Rates (APR) assume excellent borrower credit history and a vehicle loan-to-value (LTV) of <=110%. Your APR may differ based on final verification of application information, collateral, loan-to-value/combined-loan-to-value, your creditworthiness, the age and mileage of the collateral, or the length of the loan term. Your APR could be higher than the stated rate. Please ask a loan officer for details on how your rate is determined. Boat payment example: A 2025 boat with <110% LTV financed for 60 months at 7.69% APR would have a payment of approximately $20.13 per $1,000 borrowed. RV payment example: A 2025 motor home with <110% LTV financed for 60 months at 8.19% APR would have a payment of approximately $20.37 per $1,000 borrowed. Loans are subject to credit approval. Rates effective June 1, 2026 through June 30, 2026. All rates and terms are subject to change.

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.

No payment period is applicable on all vehicle loans and to the first 60 days of the loan. Interest will begin to accrue as of the loan date. Loans are subject to credit approval. Additional terms, conditions, and limitations may apply.

NO PURCHASE OR OBLIGATION NECESSARY TO ENTER OR WIN. Non-purchase and purchase entries have an equal chance of winning. Open to legal U.S. residents 18 or older as of June 1, 2026. For complete sweepstakes terms and details on non-purchase entries, see Official Rules. The Sweepstakes begins at 12:01am on June 1, 2026 and ends at 11:59pm on July 31, 2026, (the “Sweepstakes Period”). Members may enter the sweepstakes by using their Georgia’s Own Visa® Signature, Platinum, Classic, or Student credit card for purchases in one of the following categories: Amusement/Entertainment, Hotels, Airlines, and Auto Rentals. Minimum purchase of $25 per transaction is required to qualify. Each qualified purchase is worth one entry and will be automatically entered in the Sweepstakes. There is no cap on the number of qualified entries. Must be in good standing. Additional terms, conditions, and limitations may apply.

A 40-year fixed-rate mortgage with a loan amount of $300,000 and 6.483% APR will have 480 monthly payments of approximately $1,729.72. The monthly payment estimate does not include amounts for taxes and insurance. The actual payment obligation will be greater. APR = Annual Percentage Rate and loans terms are examples and are used for illustrative purposes only. APR and loan terms can vary based several factors including creditworthiness, collateral, LTV (loan-to-value)/CLTV (combined-loan-to-value), etc. Your loan terms may differ and could be higher than the stated rate. Please ask your loan officer for additional information about how your rate is determined. Private Mortgage Insurance (PMI) may be required. Loans are subject to credit approval. Loans are limited to primary residences only, not available on investment properties or second homes. Additional terms, conditions, and limitations may apply.