Looking for a simple and free checking account? You've come to the right place! With a Georgia's Own All Access, Golden Bell or i[CHECK] account you'll receive awesome benefits such as:

NO Monthly Service Fee or Minimum Balance Requirement

FREE 24/7 Access to Online Banking


Dividends Paid on Every Dollar
NO Direct Deposit Requirement
FREE Bill Pay
FREE eStatements
FREE Balance Alerts
FREE ATM Transactions*

Retired or Age 50+?

In addition to all the standard features, as a Golden Bell member you'll also receive

FREE Lifetime Checks
Five FREE Copies of Checks

For Ages 14-25**

By qualifying for our i[CHECK] account, you'll also receive

Perks, resources and giveaways
Dedicated website
Become a Member

Become a Member

Begin your relationship with Georgia's Own

Join Today
Open an Additional Account

Apply for Checking

All Access, Golden Bell, i[CHECK], HSA Checking

Apply Now

HSA (Health Savings Account) Checking Account

The Georgia's Own HSA Checking provides you a way to conveniently pay for your qualified healthcare expenses - especially those with a high-deductible health plan. Just like with our other primary check accounts, you'll receive great benefits such as:

NO Monthly Service Fee
NO Minimum Balance Requirement
FREE Debit Card
5,000 Shared Branches and 85,000 Surcharge-FREE ATMs
FREE 24/7 Access to Online Banking
Dividends Paid on Every Dollar
FREE Balance Alerts
FREE Bill Pay
FREE eStatements

Resolution Checking

A checking account designed to help re-establish financial stability for members who have had previous credit problems and are not eligible for other checking accounts. For more information, please talk to a Georgia’s Own representative for details and important account features.

Add Peace of Mind to Your Account

Georgia's Own provides three ways to protect your account from returned payments, embarrassment and fees from other companies. This service covers non-sufficient funds (NSF) checks and ACH transactions, as well as optional ATM, Point of Sale and other debit card transactions.

  1. Overdraft Privilege*** — If your account meets the qualifications for Overdraft Privilege, the service will pay checks and ACH items for which your account has insufficient or unavailable funds, instead of automatically returning those items unpaid. While you will still incur the standard overdraft fee of $30, we will make the payment,**** and the frustration of an overdraft is averted.
  2. Premium Protection — This optional service provides peace of mind knowing that you'll never have to deal with a denied ATM, Point of Sale or other debit card transaction again. If you inadvertently overdraft your account or an unforeseen emergency hits, we'll cover your transaction for a low $30 fee. It's FREE to enroll and there are no fees if you never have to use the service. You can opt out at any time and participation is not mandatory. Click here to opt-in.
  3. Overdraft Protection — Other overdraft protection services include an overdraft line of credit and overdraft protection linked to another account of yours with us, such as a savings account. If you apply and are approved for these optional services, you may save money on the total fees you pay us for overdraft protection services. To learn more, contact a Member Service Representative.

Click here to opt-in to Premium Protection or contact a Member Service Representative for more information on these great account benefits.

Important Links

Direct Deposit Form
VISA® Debit Card
Premium Protection (Overdraft Privilege) Opt In Form
Overdraft Privilege Disclosure
Deluxe Check Order
Online Banking
Bill Pay
Mobile Deposit
Deposit Slip

* Other fees may apply.
** Members under 18, you’ll need an adult joint on the account.
*** Overdraft Privilege 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 ($30.00) 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 Privilege Disclosure here.
**** Georgia's Own will extend Overdraft Privilege to up to $800 and does not obligate itself to apply service in all events.