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Thank you for choosing Georgia’s own!
Which Business Checking Account is Right for Your Business?
Check out our Business Account Comparison Tool to find out which account is right for you.
Primary Business Checking
Ideal for businesses with low to moderate transaction volume and those who maintain lower balances.
- 250 transactions per month for free
- Up to $5,000 in cash processing per month free
- Up to a $52 credit toward first order of checks
Learn More about Primary Business Checking
Preferred Business Checking
Perfect for established businesses with higher transaction volume.
- Earns interest
- Unlimited monthly transactions
- Free cash processing up to $10,000 per month
- One free, additional checking account
Learn More about Preferred Business Checking
Not-for-Profit Business Checking
Great for non-profits, including Homeowner’s associations, Foundations, and social advocacy organizations.
- 150 transactions per month for free
- Up to $2,000 in cash processing free per month
Learn More about Not-for-Profit Business Checking
Corporate Plus Checking
Ideal for established businesses that carry larger balances.
- Tiered, high-yield interest rates
- Unlimited monthly transactions
- Up to $10,000 in cash processing free per month
How to Apply
To open a Business Checking account, visit any of our branch locations. For more information about these products, give us a call at 800.533.2062.
Request More Information
Order Checks
Need to order more checks for your business? With our Preferred Business Checking and Corporate Plus Checking, you get an annual credit of $99 for check ordering. As a Primary Business Checking accountholder, you’ll receive up to $52 discount on your first order. To ensure you receive the proper discount, please give us a call at 800.533.2062 or visit your local branch for help ordering checks!
Click here to view examples of Deluxe Business Checks & Check Printing
Compare Our Business Checking Accounts
| Available Account Features | Preferred Business Checking | Primary Business Checking | Not-for-Profit Business Checking (Non Profit Only) | Corporate Plus Checking |
|---|---|---|---|---|
| Earns Interest |  See Business Deposit Account Interest Rate & Fee Disclosure for Specifics | No | No | See Business Deposit Account Interest Rate & Fee Disclosure for Specifics |
| Free Monthly Transactions | Unlimited! | 250 items | 150 items | Unlimited! |
| First Order of Checks Free | (Annual Credit up to $99) | (1 Time Up to $52) | No | (Annual Credit up to $99) |
| Free, Additional Checking Account | | No | No | No |
| Monthly Maintenance Fee | $20 | $12 | $3 | $20 |
| Transaction Overage Fees | None | $0.30 per item > 250 | $0.30 per item > 150 | None |
| Free Cash Processing | Up to $10,000 | Up to $5,000 | Up to $2,000 | Up to $10,000 |
| How to avoid the monthly fee: | Maintain a minimum daily collected balance of $2,500 or more or Maintain an average monthly collected balance of $5,000 or Maintain a combined average monthly collected balance of $20,000 in Checking, Savings, Money Market, or CD's | Maintain a minimum daily collected balance of $1,000 or more or Maintain an average monthly collected balance of $3,000 or Maintain a combined average monthly collected balance of $10,000 in Checking, Savings, Money Market, or CD's | Maintain a minimum daily collected balance of $500 or more or Maintain an average monthly collected balance of $1,500 or Maintain a combined average monthly collected balance of $5,000 in Checking, Savings, Money Market, or CD's | Maintain an average monthly collected balance of $10,000 |
Aaron
Member since 2017
We run Atlanta Rescue Dog Cafe like a business, but as a non-profit, our mission drives what we do.
Ready to take control of your business? Get started today.
Aaron
Member since 2017
Overdraft Services
Mistakes happen. Whether it’s an accounting error or a temporary shortage of funds, our overdraft services1 are designed to provide a backup for those moments.
Transfer from your Business Savings account2: If your Business Checking account ever has insufficient funds to cover a transaction, we can take the funds from your Business Savings account to cover the shortage. The fee ($6) is much lower than what a returned check would cost.
Balance notifications: This handy feature lets you set up personalized notifications when your Business Checking account drops below a certain amount. This will give you the heads-up to hold off on further transactions until you can add funds.
1 Overdraft Services is available to members 18 and over who are in good standing with the Credit Union. We may approve certain transactions that overdraw your account. An overdraft fee of thirty-five ($35.00) dollars may be charged for each transaction that overdraws your account. The categories or types of transactions that may overdraw your account include payments, purchases and transfers. Whether your overdrafts will be paid or not is in our sole discretion and we reserve the right not to pay the overdraft. For example, we typically do not pay overdrafts if your account is not in good standing or if you have too many overdrafts. We reserve the right to require you to repay your overdrafts immediately or on demand. Read full Overdraft Disclosure.
2If you link to a savings account, be aware that federal regulations limit certain types of withdrawals. Please refer to the rate and fee schedule for more information.
2If you link to a savings account, be aware that federal regulations limit certain types of withdrawals. Please refer to the rate and fee schedule for more information.
Points:
A point is equal to one percent of the principal amount of your mortgage. For example, if you get a mortgage for $100,000, one point means you pay $1000 to the lender. These points are usually collected at closing and may be paid by the borrower or the home seller, or may be split between them.
Annual Percentage Rate (APR):
A rate that reflects the actual annual cost of a loan and includes the loan interest rate, private mortgage insurance, points and some fees.
Loan Assumptions and Disclosures
These sample rates are published weekdays at 10:00am EST.
The information provided is general and assumes only the following scenario:
- Purpose of the loan: Purchase a property.
- Property location: Atlanta, GA 30303
- Property Type: Existing single family home
- Property Use: Primary residence
- Estimated property value: $200,000
- Estimated down-payment: $40,000
- Loan amount: $160,000 (80% Loan to Value)
- Credit Score: 740
- Escrow (impound) account is required.
- Rate lock period is 45 days.
- Fees: $3000 to estimate closing costs in order to approximate an APR.
Georgia's Own Credit Union Loan Options
Mortgage Type:
5/5 ARM
Advantages:
- Interest rate stays fixed for first 5 years. Adjusts every 5 years thereafter.
Best Choice If:
- The benefits of both a Fixed and ARM product.
Disadvantages:
- Interest rate and monthly payments will adjust in the future.
- Interest rate can rise above the current fixed rates over time.
ARM Features:
- Fixed for 1st 5 years, adjusts every 5 years after.
Georgia's Own Credit Union Loan Options
Mortgage Type:
30-Year Fixed
Advantages:
- Level principal and interest payments for the full term of the loan.
- Allows for higher loan amount qualification and enhanced buying power.
- No risk that changing market conditions will increase your monthly payments.
Best Choice If:
- You plan on staying in the home long-term.
- You need your monthly payments to remain fixed over the life of the loan.
Disadvantages:
- Benefits of the fixed rate are not realized until after the 10th year. (10/1 ARM is a better option if loan is paid-off within 10 years.)
Georgia's Own Credit Union Loan Options
Mortgage Type:
15-Year Fixed
Advantages:
- Level principal and interest payments for the full term of the loan.
- No risk that changing market conditions will increase your monthly payments.
- The loan balance will decrease more rapidly than a 30 Year mortgage.
Best Choice If:
- You plan on staying in the home long-term.
- You need your monthly payments to remain fixed over the life of the loan.
- You would like to pay-off the loan balance quickly.
Disadvantages:
- Monthly payments are higher than a 30-year mortgage
Sample Payment:
- Please click on the P&I link at