Georgia's Own will be closed on Thursday, November 23rd and Friday, November 24th in observance of the Thanksgiving holiday.
Georgia's Own will be closed on Thursday, November 23rd and Friday, November 24th in observance of the Thanksgiving holiday.
Thank you for choosing Georgia’s own!
Many people are confused about the difference between credit and debit when paying with their debit cards. The answer is simple. It has to do with the method of payment you prefer to use.
Credit: When you choose the credit option with your debit card, it is processed through the Visa network and you will receive a signed receipt at the end of the transaction.
Debit: When you choose the debit option with your debit card, it is processed through the ATM network. You will be asked to enter a personal identification number (PIN) to complete the transaction. The perfect option if you need cash back.
Which should you select?: Georgia’s Own Credit Union highly recommends that you select CREDIT whenever possible. With no PIN required for CREDIT transactions, you can reduce the possibility of someone learning your Personal Identification Number. Plus, you’ll be backed by Visa proctection.
• Visa provides reassurance that only you can use your Visa Debit Card online. Learn more about the benefits of Verified by Visa.
• Keep your PIN private. Memorize it. Don’t write it down, and never tell it to anyone.
• Skip the PIN option and instead sign for your transactions to take advantage of Visa’s Zero Liability Policy.
• Know your current account balance. Don’t forget about checks that have not yet cleared your account
• Always take sales receipts and carbon copies. They may contain valuable information a thief could use to make purchases on your account via mail, phone, or the Internet.
• Record your transactions in your check register as soon as possible. Remember to include any Visa Debit Card fees that may apply. Then store your receipts safely in one place in case you need them later.
• Review your statements carefully. If you suspect a mistake, call your financial institution immediately.
• If your card is lost or stolen, contact Georgia’s Own Credit Union. This reduces your liability if fraud losses occur.
To Report a Lost or Stolen Visa Debit Card, please call 404-874-1166 or 1-800-533-2062 immediately.
To activate your card or to set or change your PIN, please call 1-866-333-9337. For your protection, this call must be made from one of your phone numbers on record with Georgia’s Own.
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.
A rate that reflects the actual annual cost of a loan and includes the loan interest rate, private mortgage insurance, points and some fees.
These sample rates are published weekdays at 10:00am EST.
The information provided is general and assumes only the following scenario:
5/5 ARM
30-Year Fixed
15-Year Fixed