Earn a $200 welcome bonus¹

Offer only valid January 1, 2026 through February 28, 2026. You can receive only one (1) new checking account opening related bonus every two (2) years from the last promotion enrollment date. WELCOME26 promotion code is good for one-time use. This offer may be withdrawn without notice. To receive the $200 All Access Checking Bonus: 1) open a new All Access Checking account, which is subject to approval; 2) enroll in online banking; 3) complete 15 debit card transactions within each of the first two (2) statement cycles after account opening; AND 4) establish qualifying direct deposits made into the new checking account totaling at least $1,500 per statement cycle for the first two (2) statement cycles. Your direct deposit needs to be an electronic deposit of your paycheck, pension, or government benefits (such as Social Security) from your employer or the government. Person-to-Person payments are not considered a direct deposit. After you have completed all the above All Access Checking bonus requirements, we’ll deposit the bonus in your new account within 120 days of promotion enrollment. Terms and conditions will apply. All Access Checking: all balances earn 0.01% APY. Annual Percentage Yield (APY) is current as of January 1, 2026 and subject to change after account opening. Fees can reduce earnings. Georgia’s Own may change or discontinue this offer at any time without notice. Offer does not apply to business, employee, second, or multiple checking accounts with Georgia’s Own. Offer 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.

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.