Upcoming debit card changes

Yes, your current debit card will continue to work until September 9, 2026, unless it expires sooner or you activate your new debit card before the deactivation date.

You’ll receive your new debit card before your current debit card expires.

You can activate and begin using your new debit card at any time after receiving it—you don’t need to wait until the expiration date. Activation instructions can be found on the sticker on the front of the card.

If your current card expires in September or later, it will be deactivated on September 9, 2026.

Debit cards are mailed in unmarked envelopes to help protect you by reducing the risk of theft or fraud.

Please activate your card as soon as possible after receiving it. Activation instructions can be found on the sticker on the front of the card. Once activated, you can start using your new card right away.

Activate your new card as soon as possible by following the instructions on the sticker on the front of the card. Once your card is activated, you can begin using it.

After your new card is activated:

• Securely destroy your old debit card
• Update any recurring payments or subscriptions (e.g., streaming services, utility payments, etc.) that use your current debit card number
• Update your payment information with online merchants or other billers (e.g., gym memberships, insurance premiums, etc.)
• Add your new debit card to Apple Wallet®, Google Wallet™, or Samsung Wallet®¹

You will need to choose a PIN when you activate your new card.

Yes. Any recurring payments, subscriptions, and/or saved payment methods linked to your current debit card will need to be updated with your new card number.

Examples include:

• Streaming services
• Utility payments
• Insurance premiums
• Gym memberships
• Online retailers
• Food delivery services
• Ride-sharing apps
• Apple Wallet®, Google Wallet™, or Samsung Wallet® (if applicable)¹

Yes. After you activate your new card, you can add it to Apple Wallet®, Google Wallet™, or Samsung Wallet® for fast, secure purchases.

After you activate your new debit card, securely destroy your old card by shredding or cutting the card to damage the chip and magnetic stripe. You can also visit one of our branches to have it securely destroyed.

Contact us or visit a branch so we can order a new debit card for you.

Your current debit card will stop working on September 9, 2026. Activate your new card as soon as possible to avoid disruptions making purchases or using ATMs. Card activation instructions can be found on the sticker on the front of the card.

Your PIN is the four-digit number you use when you pay with your debit card. If you’ve forgotten it, you can send a secure message in online banking or our mobile app, or call Member Services at 800.533.2062.

To send a message in online banking:

1. Click “Log In” in the blue ribbon bar at the top of any page on our website.
2. Enter your username and password and click “Login.”
3. Hover over “Tools” in the grey ribbon bar.
4. Click “Message Center” then “Compose.”

To send a message in our mobile app:

1. Open the Georgia’s Own mobile app on your phone or tablet.
2. Tap “More” in the bottom menu bar.
3. Tap “Tools” then “Message Center.”
4. Tap “Compose.”

You can withdraw cash from your checking account at ATMs. You can also request cash back where you do your everyday shopping, like the grocery store.

Cash from ATMs
You can get cash from any ATM, including Georgia’s Own ATMs and 110,000+ surcharge-free ATMs nationwide.

To get cash:

1. Enter your 4-digit PIN (Personal Identification Number)
2. Pick Withdrawal from Checking

If you use a non-Georgia’s Own ATM or other out-of-network ATMs, you might be charged a fee. To find a Georgia’s Own ATM or a surcharge-free ATM, you can visit our locations page and check the boxes next to “Georgia’s Own ATMs” and “Surcharge-free ATMs” to see locations on the map.

Cash back from participating businesses
You can get cash back when you use your debit card at grocery stores, pharmacies (like CVS or Walgreens), or convenience stores.

To get cash:

1. Select Debit on the keypad
2. Enter your 4-digit PIN
3. Pick Yes for cash back
4. Enter the amount and hit OK

Limits might apply to the amount of cash you’re able to withdraw.

You can enroll in online or mobile banking in just a few simple steps. Once registered, you can use the same username and password to access both mobile and online banking.

From your desktop:

1. Visit online.georgiasown.org/Registration
2. Under “I Want To” click “Register to my individual account.”
3. Follow the steps to register. Once you’ve finished, you can start using online banking.

From your phone or tablet:

1. Download our mobile app from the App Store or Google Play.
2. Tap “Register a New Account” and follow the steps to complete your enrollment. If you’re already enrolled in online banking, there is no need to register. Simply use your online banking username and password to log in.

You can view your account number in online banking and our mobile app.

To find your account number in online banking:

1. Click “Log In” in the blue ribbon bar at the top of any page on our website.
2. Enter your username and password and click “Login.”
3. Click the account you need under “Accounts” on the Dashboard page.
4. Under the account name, click the eye icon to display your account number. You can click the eye icon again to hide it.

To find your account number in mobile banking:

1. Open the Georgia’s Own mobile app on your phone or tablet.
2. Tap the account you need under “Snapshot” when you first open the app.
3. Tap “Show Details” in the top-right corner of your screen (next to the magnifying glass icon).
4. Your account number will be listed in the row below your account’s nickname.

You can check your account balance by logging into online banking, using our mobile app, or by calling TeleTalk.

Online banking

To check your account balance:

1. Click “Log In” in the blue ribbon bar at the top of any page on our website.
2. Enter your username and password and click “Login.”
3. Your checking account balance will show under “Accounts” > “Deposits.” You can click the account to view transactions.

Mobile app

To check your account balance:

1. Open the Georgia’s Own mobile app on your phone or tablet.
2. Your checking account balance will show under “Snapshot” when you first open the app. You can tap the account to view transactions.

TeleTalk

Refer to the “What’s TeleTalk and how do I use it?” question below for steps.

You can transfer money between your Georgia’s Own accounts or send money to your accounts at other financial institutions.

Internal transfers

Internal transfers let you move money between Georgia’s Own accounts, either your own or even another member’s. You can make transfers in online banking or our mobile app.

To make transfers in online banking:

1. Click “Log In” in the blue ribbon bar at the top of any page on our website.
2. Enter your username and password and click “Login.”
3. Hover over “Transfer & Pay” in the grey ribbon bar.
4. Click “Transfers” and follow the steps to pick your transfer type, accounts, how much you want to move, and when. You can also leave a description so you can remember why you made the transfer if you’re reviewing your account later.
5. If you’re sending money to another member, click “More Actions” then “Add Account.” Enter the recipient’s name and account information.

To make transfers in mobile banking:

1. Open the Georgia’s Own mobile app on your phone or tablet.
2. Tap “Transfers” in the menu bar at the bottom of the screen.
3. Tap “Make a Transfer” and follow the steps to pick your transfer type, accounts, how much you want to move, and when. You can also leave a description so you can remember why you made the transfer if you’re reviewing your account later.
4. If you’re sending money to another member, tap “Add Account.” Enter the recipient’s name and account information.

External transfers

External transfers let you move money from your Georgia’s Own account to your other checking or money market accounts at other financial institutions. You’ll need to be enrolled in bill pay to make external transfers.

To sign up for bill pay:

1. Click “Log In” in the blue ribbon bar at the top of any page on our website.
2. Enter your username and password and click “Login.”
3. Go to “Transfer & Pay.”
4. Click “Payments.”

If you’ve made a mistake, you can view, edit, and delete your scheduled transfers under “Scheduled.” To edit the transfer, click “Options” next to the transfer, then click “Edit Transfer” for one-time transfers or “Edit Series” for recurring transfers. You can edit the amount and memo. If you want to cancel the transfer, click “Options” then “Cancel Series.”

Remember to only send money to people you know and trust.

You can easily deposit checks from your phone through the Georgia’s Own mobile app. You can deposit any U.S. check that’s made payable to you. Before you get started, make sure to sign the endorsement line and check that it’s for mobile deposit.

To deposit a check:

1. Open the Georgia’s Own mobile app on your phone or tablet.
2. Tap “Deposit a Check” in the bottom menu bar.
3. Tap “Deposit Account” to pick which account to deposit the check.
4. Tap “Deposit Amount” to enter the amount of the check.
5. Tap “Front of Check” to take a picture of the front of your check. Tap “Back of Check” to take a picture of the back.
6. Tap “Submit Deposit.” Be sure to keep your check for 45 days and shred it after.

You can view the mobile deposit agreement here.

TeleTalk lets you access your accounts 24/7 from your phone. You can check your balance, move money, and more.

To use TeleTalk:

1. Call 800.533.3817 on your phone.
2. You’ll need a few things so we can verify that it’s you: your member number, your PIN, your ZIP code, and your Social Security number (if you’re a first-time user).

For first-time users:

1. Enter the last four digits of your Social Security number when the answering service requests your PIN (don’t worry, it’s just for verification).
2. Change your PIN when prompted.
3. To change your PIN again or activate TeleTalk, press 8 (More Choices) and select 3 to change your PIN or 5 to log in.
4. We’ll send you a verification agreement to sign and return. Once we have it, you can start using TeleTalk and other online banking services.