Earn a $300 welcome bonus¹

Offer valid October 1, 2026 through November 30, 2026. To earn the $300 bonus, you must open a new Perks+ Checking account with promotion code Bonus300 by November 30, 2026 and complete all qualifying requirements for two (2) consecutive monthly statement cycles. The first eligible statement cycle begins after the statement cycle in which you open the account. The account-opening month does not count. To qualify, you must complete the following requirements: 1) Open a new Perks+ Checking account using promotion code Bonus300 by November 30, 2026; 2) Enroll in online banking; 3) Complete ten (10) qualifying debit card purchases of $5.00 or more during each eligible statement cycle using your new Georgia’s Own debit card. ATM withdrawals do not count as qualifying debit card purchases; AND 4) Receive qualifying direct deposit(s) totaling at least $2,000 during each eligible monthly statement cycle. Your qualifying direct deposit must be set up within 30 days after account opening. Qualifying direct deposits are regular, recurring Automated Clearing House (ACH) credits, such as payroll, salary, pension, or government benefit payments, including Social Security. The following deposits DO NOT QUALIFY: payments from peer-to-peer services such as PayPal, Zelle®, Venmo, or similar services, and transfers from another Georgia’s Own deposit account. Your account must remain open and in good standing from account opening through the end of the promotion. After you meet all Perks+ Checking bonus qualifying requirements, we will deposit the bonus into your new account within 120 days after promotion enrollment. This offer cannot be combined 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 to anyone whose Georgia’s Own checking account was closed within the past 90 days or closed with a negative balance within the last three (3) years. You can receive only one new checking account opening related bonus every two (2) years from the last enrollment date. Account terms are effective October 1, 2026. The Annual Percentage Yields (APY) for Georgia’s Own Perks+ Checking are: 0.01% APY for balances below $1,500.00; 0.02% APY for balances from $1,500.00 to $2,499.99; and 0.03% APY for balances of $2,500.00 or more. Rates are variable and may 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. Accounts are subject to approval. Terms and conditions apply. Perks+ Checking has a monthly service charge of $6.95.

Benefits are available to Perks+ Checking primary and joint account owner(s), subject to the terms and conditions set forth in the Guide to Benefit and/or insurance documents for the applicable Benefits. Some Benefits require authentication, registration, and/or activation. Benefits are not available to a “signer” on the account who is not an account owner, or to businesses, clubs, trusts, organizations and/or churches and their members, or schools and their employees/students. Eligibility and availability may vary and are subject to verification and program limits. See the Benefits Reference Guide for more details.

Available for the primary accountholder, their spouse/domestic partner, and up to six (6) dependent children age two and older. This is not insurance. Service availability may vary by state and provider. Registration/activation required.

Requires additional registration/activation.

Access to a credit report through this benefit is separate from the free annual credit report available under federal law through annualcreditreport.com.

Special Program Notes: The descriptions on this page are summaries only and do not include all terms, conditions, and exclusions of the benefits described. Please refer to the Guide to Benefit and/or insurance documents for complete details of coverage and exclusions. Coverage is provided through the company named in the Guide to Benefit or on the insurance document. Insurance products are not insured by the NCUA or any federal government agency, not a deposit of or guaranteed by the credit union or any credit union affiliate.

INSURANCE PRODUCTS ARE NOT A DEPOSIT, NOT FEDERALLY INSURED, NOT AN OBLIGATION OR GUARANTEED BY THE CREDIT UNION, ITS AFFILIATES, OR ANY GOVERNMENT AGENCY.