800.533.2062 | Routing Number: 261071438

Account and Service Fees

Hover over underlined text for more information. Fees current as of October 1, 2016.

Account Fees (Checking, Money Market, IRA and Savings Accounts)

Fee / Account Type Amount
Monthly Maintenance Fee:
All Access Checking, i[Check] Checking
FREE
Debit Card:
All Access Checking, i[Check] Checking, Resolution Checking
FREE
Debit Card Replacement Fee: $5.00
Debit Card Rush Order Fee: $60.00
Savings Account REG D Excess Withdrawal Fee:
All Savings Accounts (Club IRA Savings Excluded)
FREE for the first six (6) withdrawals/transfers per month

$5.00 per withdrawal/transfer after the 6th in a month

How can I avoid this fee?
Money Market Excess Withdrawal Fee:
Money Market
FREE for the first six (6) withdrawals per month

$10.00 per item if more than six (6) withdrawals per month

How can I avoid this fee?
Money Market Monthly Service Charge:
Money Market
FREE if the balance stays at or above $2,500

$10.00 per month if the balance drops below $2,500 at any time during the month

How can I avoid this fee?
Inactive Account Fee:
All Savings Accounts
$5 per month

How can I avoid this fee?
Check Orders: Prices vary

How can I avoid this fee?
Resolution Checking Monthly Service Fee:
Resolution Checking
$8 per month
Check Clearing:
Resolution Checking
$0.50 per cleared check

How can I avoid this fee?
IRA Transfer Fee: $25.00 per transfer

eServices (Online Banking, Mobile Banking, Bill Pay & TeleTalk)

Fee Amount
Online Banking Monthly Fee: FREE
Bill Pay Monthly Fee: FREE
Mobile Deposit (via the mobile app for Android and iOS devices): FREE
eStatements: FREE
Same Day Bill Pay:
$9.95 per item

How can I avoid this fee?
Bill Pay Non-Sufficient Funds Fee (NSF):
$55.00

($22.00 Bill Pay Service Fee plus $33.00 Georgia's Own NSF Fee)

How can I avoid this fee?
Bill Pay Stop Payment: $28.00
Overnight Check Payment: $20.00
Account-to-Account Transfer: $1.00 per transfer - U.S. Based Financial Institution to Georgia's Own

$3.00 per transfer - Georgia's Own to a U.S. Based Financial Institution
Member-to-Member Transfer: FREE
Person-to-Person Transfer: $1.00 per transfer
Check Withdrawal (via Online Banking):
FREE
Check By Phone:
$8.00 per transaction

Miscellaneous Service Fees

Fee Amount
Account Research / Reconciliation: $10.00 per hour
Special Statement / Account History Fee: $3.50 per copy
Returned Deposited Item fee of Member's Check: $30.00
Wire Transfer - Domestic: Incoming - $12.00 per wire
Outgoing - $20.00 per wire

How can I avoid this fee?
Wire Transfer - Foreign: Incoming - Up to $50.00 per wire
Outgoing - $50.00 per wire
Debit Card Replacement Fee: $5.00
Debit Card Rush Order Fee: $60.00
Debit Card International Transaction Fee: 2% of the amount of the transaction calculated in U.S. dollars
Out of Network ATM Fees: Balance Inquiries - $1.00 per transaction

Account Transfers - $1.00 per transaction

Withdrawals - $2.00 per transaction

How can I avoid this fee?
Cashier's Check: Member Fee - $7.00 per check
Non-Member Fee - $15.00 per check
Levy Fee: $50.00 per occasion
Garnishment Fee: Up to $100.00 per occasion
Dormant Account Fee: $5.00 per month after five (5) years
Non-Sufficient Funds (NSF) Fee: $33.00 per item

How can I avoid this fee?
Overdraft Protection for One-Time Debit Card Transactions: $33.00 per item

How can I avoid this fee?
Overdraft Protection for Checks, ACH Transactions and Recurring Debits: $33.00 per item

How can I avoid this fee?
Overdraft Transfer Fee: $6.00 per transfer

How can I avoid this fee?
Stop Payment Fee: $30.00 per request
Check and Other Document Copy Fee: $3.50
Personal Loan Late Payment Fee: $25.00

How can I avoid this fee?
Non Member Georgia's Own Check Cashing Fee: $5.00 per check

Safety Deposit Box

Size Annual Fee
3 x 5 x 22 $40.00
5 x 5 x 22 $55.00
3 x 10 x 22 $60.00
5 x 10 x 22 $75.00
10 x 10 x 22 $125.00
Duplicate Key $5.00
Drilling of Box (Lost Key) $125.00

Visa® Credit Cards

Fee Amount
Annual Fee: FREE
Cash Advance: 3% of cash advance amount
Balance Transfer Fee: 3% of the balance transfer; $10 minimum
Foreign Transaction: 2% of the U.S. dollar amount of each transaction
Late Payment: Platinum - up to $37 (if payment is 15 days late)
Classic - up to $37 (if payment is 15 days late)
Classic Secured - up to $37 (if payment is 15 days late)
Student - up to $25 (if payment is 15 days late)

How can I avoid this fee?
Returned Payment: Platinum - up to $37
Classic - up to $37
Classic Secured - up to $37
Student - up to $25

How can I avoid this fee?
Click here for important disclosures regarding Visa credit cards.