Click here for the most current branch hours and openings. We are currently unable to perform non-member and service center transactions at our branch locations.

We’re happy to announce that our branch lobbies will be open and available to serve members starting Monday, September 28th. We’ve missed seeing our members in our lobbies and are excited to welcome you back. To better serve you, we will also have Saturday drive-thru hours from 9am to 1pm beginning October 3rd at our Alpharetta, Douglasville, and Conyers locations.

In addition, our new Perimeter branch will open Thursday, October 1st at 2 Perimeter Center East in Atlanta. The new branch will replace our old Perimeter location at 1117 Perimeter Center West. In addition to easier access, this state-of-the-art branch will feature a drive-thru, night drop, coin-counting machine, and much more. For our members who live or work in the Perimeter area, we invite you to stop by our new location.

For your safety and the safety of those around you, we ask that members wear a face mask and observe social distancing guidelines and posted instructions. For those who are not comfortable visiting our branch lobbies, we invite you to connect with us in the following ways:

• Drive-thru service. Each branch with a drive-thru option is able to perform most transactions you’ve come to depend on in the lobby, including loan applications via phone or email. Find a branch with a drive-thru on our locations page.

• Online and mobile banking with remote check deposit is open 24/7 from your laptop, tablet, or smartphone.

• Our Member Services Department is available at 800.533.2062 for general questions, concerns, or help with transactions. Their hours are Monday – Friday 8am – 6pm and Saturday from 9am – 1pm.

• TeleTalk allows you to conduct most transactions over the phone and is available 24/7 at 800.533.3817, option 1.

• Access your account at any one of our 85,000+ surcharge-free ATMs.

• All of our loan applications are available online.

With COVID-19 developments happening each day, we will continue to closely monitor the situation and will adjust our lobby operations to assure we’re doing the most we can to keep every member, as well as our staff, safe. The most up-to-date information regarding branch lobby hours and operations can be found on this page.

For a list of which transactions and services can be completed at our drive-thru branches, please check here.

Economic Impact Payments – Information is accurate as of 12.30.20 and is subject to change

The IRS will begin rolling out another round of Economic Impact Payments (stimulus checks) on January 4th, and we want to help our members gain access to their funds as quickly as possible. While most people will receive the payment via direct deposit into their bank account, some will receive a check via mail, based on their 2018- or 2019-income tax filing. See below for answers to some of the most commonly asked questions.

Q. When can I expect to receive my payment?

Payments begin rolling out on January 4th. Most people will receive the stimulus payment via direct deposit into their bank account. For some a check will be mailed. If that is the case. it may take a little longer to receive the payment. For more information, visit https://www.irs.gov/coronavirus/economic-impact-payment-information-center. Don’t forget to use one of our convenient options, including Mobile Check deposit, once you’ve received your check!

Q: Can I have access to the pending payment?

A: Unfortunately, you will have to wait until the payment is posted to your account. We cannot release pending transactions.

Q: Can you tell me how my payment was calculated?

A: Please visit the IRS Economic Impact Payment Information Center for guidance on how the payments were calculated at https://www.irs.gov/coronavirus/economic-impact-payment-information-center.

Q. I am a former DOCO member and my account number and routing number changed due to the merger. Will my funds still be deposited?

A. If your account number on file with the IRS mirrors your previous DOCO member number, and this number has now changed slightly due to the merger but remains open, your funds will still be deposited on the effective date and will not be delayed or returned.

Q: How do you know where to deposit my stimulus payment?

A: We receive the funds from the IRS with the account information already included. Here is the guidance from the CARES act – “If you qualify and filed a 2019 or 2018 tax return, your payment will be deposited directly into the same banking account used for tax filing purposes. If you have not yet filed your 2019 tax return, the account used for your 2018 tax filing will be used.”

Q: I haven’t received my Stimulus payment.

A. Payments are being distributed by the IRS in waves. For more information, please visit https://www.irs.gov/coronavirus/economic-impact-payment-information-center.

Q: My Georgia’s Own account is closed. Where did the Stimulus Payment funds go that would have been deposited into that account?

A: Unfortunately, the deposit attempt made by the IRS for your Economic Impact Payment was to a closed account with Georgia’s Own. Based on governmental guidance for the handling of EIPs, the payment was returned and a paper check will be mailed directly to you. Please visit https://www.irs.gov/coronavirus/economic-impact-payment-information-center for more information.

Q: My Georgia’s Own Loan payment is past due, can I still access my stimulus payment?

A: Yes

For all ACH payments

Q: Why do I see a credit to my checking account with the description COVID19 STIMLUS PROV CRED?

A: Georgia’s Own Credit Union is committed to helping you during these uncertain times. We wanted to ensure you had access to your Economic Impact Payment. To accommodate this, we have provided you with a provisional credit for 30 calendar days.   The credit will be reversed from your account 30 days from when it was issued.

Q: Do I have to do anything to return the funds?

A: No, Georgia’s Own will reverse the transaction 30 calendar days from the date the credit was issued.

For Check Payments

Q: Will you place a hold on Economic Impact Payments (Stimulus Checks)?

A: A hold will not be placed on Economic Stimulus Checks.

Q:  If I have a negative balance in my account, how can I access to the funds?

A: You may visit a drive-thru at any of our branches to get the check cashed.

Q: I deposited my stimulus check into my account using remote deposit, and I need the hold released.

A: We are happy to release the hold once we verify the check as an Economic Stimulus Check.

Q: I deposited my Economic Stimulus Check in the ATM, and I need access to the funds. Can you remove the hold?

A: Yes, once the check is verified as an Economic Stimulus Check, the hold will be released.

Q: I made a deposit at a Shared Service Center and I had a negative balance in my account. How do I access those funds?

A: We can move your negative balance to your savings account to allow you access to those funds.

Q.I have an Economic Stimulus check for a deceased person. Can I negotiate it?

Since the party named on the instrument is deceased, the check will not be negotiated. A payment made to someone who died before they received the payment should be returned to the IRS. Mail the payment to the IRS address – based on the state the person lives in – as indicated in the FAQs about repayments.

Q: I have an Economic Stimulus check made out with my joint owner who is deceased. Can I negotiate it?

A. Yes. Please be advised you will have to sign an affidavit of claimant for the deposit and provide a death certificate. If one party is still living, return half the payment to the IRS. If you choose to return the entire check to the IRS, once the IRS receives and processes the returned payment, an Economic Impact Payment will be reissued to the surviving spouse. Mail the payment to the IRS address – based on the state the person lives in – as indicated in the FAQs about repayments.

To better help our members, you can defer your next payment on your consumer loan (auto/boat/motorcycle/RV and personal loans only) with Georgia’s Own*.
To begin the form and submit online:

1. Click here and enter your name and email.
2. You will receive a special validation/access code to the email you entered.
3. Enter the validation/access code you received and click “Validate”.
4. Enter your details and click “Finish”.

*Subject to approval. Maximum number of months allowable is 6. Loan must be less than 30 days past due to qualify. Offer ends March 31st, 2021.

Please note, the above is only for auto/boat/motorcycle/RV loans or personal loans and is not for mortgage, Visa®, or HELOC.

To offer relief to our members impacted by COVID-19, you may be eligible to defer up to 3 months’ payments on your Home Equity Loan or Line of Credit in repayment with Georgia’s Own Credit Union.

Please note: This request is for a Home Equity Loan or Line of Credit in repayment. If your Home Equity Line of Credit is still active, meaning you can advance funds from it, your loan is not eligible at this time.

To begin the form and submit online:

1. Click here and enter your name and email.
2. You will receive a special validation/access code to the email address you entered.
3. Enter the validation/access code you received and click “Validate”.
4. Enter your details and click “Finish”.
5. If you have a co-borrower, they are required to complete the co-borrower portion of this application.

If you are experiencing a temporary financial hardship due to COVID-19, Georgia’s Own wants to be your partner through these times. Mortgage loan forbearance may help you get your payments suspended for an initial period of 90 days. For complete information, or to request Mortgage loan forbearance, please call 888.752.9132, and have your mortgage loan number available, or login to your mortgage account online.

We are temporarily waiving our fee for our payment holiday and pay-by-phone services. We encourage all members to bank by phone or internet when possible.

Having difficulty paying your Student Choice student loan? You may be able to receive a 3-month forbearance upon request for reasons related to the Coronavirus pandemic. To request a forbearance related to COVID-19, borrowers/co-borrowers in repayment should contact Student Choice by telephone at 800.723.2210. For additional resources, click here.

If you’ve chosen to protect your loan with Members Protection Plus (MPP), you could be covered for loss of wages due to COVID-19. If you are involuntarily unemployed and not being paid due to the government shut down, MPP can help you make your payments while you are out of work. Affected members will be required to provide proof of unpaid employer shut down related to the pandemic. Members who are out of work due to paid shut down will not be eligible for cancellation.

7/21/20
The Georgia’s Own team is here to support our current members and their businesses through this crisis. Although the Small Business Administration will continue to accept PPP (Paycheck Protection Program) loan applications for approved lenders for any eligible borrower through August 10, 2020, we have discontinued taking applications effective June 25, 2020. Should you wish to pursue a PPP loan, please contact Kabbage or Lendio.
6/8/20
The Georgia’s Own team is here to support our current members and their businesses through this crisis. The Small Business Administration will continue to accept PPP (Paycheck Protection Program) loan applications for approved lenders for any eligible borrower through June 30, 2020. As such, we will continue to process member requests in the same manner in the order they are received: please submit your contact information to [email protected]. In your email, please include the business name, type of industry and if you are business or retail type, number of employees, and contact information, such as an email address and/or telephone number.

If you are not a current member with either a personal or a business account, please contact your primary business financial institution, Kabbage, or Lendio.

Online banking is available 24/7 from your laptop or desktop.

Check out the tutorial videos below to learn about a few tools to assist you within online banking.
• How to Register for Online Banking
• How to Deposit a Check with a Mobile Device
• How to use Online Banking Bill Pay to Set Up Automatic Bill Payments

Mobile banking with check deposit is always available 24/7 from your tablet or smartphone.

Download the app today:
iOS | Android

Check out the tutorial videos below to learn about a few tools to assist you within mobile banking.
• How to Register for Online Banking
• How to Deposit a Check with a Mobile Device
• How to use Online Banking Bill Pay to Set Up Automatic Bill Payments

TeleTalk allows you to conduct most transactions over the phone and is available 24/7 at 800.533.3817, option 1.

All of our loan applications are available online.

The U.S. Postal Service is experiencing delays. As a result, your Credit Union mail, including statements and year-end tax information, may also be delayed. Georgia’s Own has a number of electronic options to help you access your information quickly and easily:

• Signup for online banking and bill pay
• Download our mobile banking app
• Sign up for eStatements
• If you have a credit card, download our card manager app

7/21/20
The Georgia’s Own team is here to support our current members and their businesses through this crisis. Although the Small Business Administration will continue to accept PPP (Paycheck Protection Program) loan applications for approved lenders for any eligible borrower through August 10, 2020, we have discontinued taking applications effective June 25, 2020. Should you wish to pursue a PPP loan, please contact Kabbage or Lendio.

6/8/20
The Georgia’s Own team is here to support our current members and their businesses through this crisis. The Small Business Administration will continue to accept PPP (Paycheck Protection Program) loan applications for approved lenders for any eligible borrower through June 30, 2020. As such, we will continue to process member requests in the same manner in the order they are received: please submit your contact information to [email protected]. In your email, please include the business name, type of industry and if you are business or retail type, number of employees, and contact information, such as an email address and/or telephone number.

If you are not a current member with either a personal or a business account, please contact your primary business financial institution, Kabbage, or Lendio.

01/12/2021

Effective immediately, Georgia’s Own will start providing applications for the second round of PPP (Paycheck Protection Program) Loans. The SBA will only be accepting applications from lenders it has noted as “Community Financial Institutions (CFIs).” CFIs include Community Development Financial Institutions, Minority Deposit Institutions, Certified Development Companies, and Microloan Intermediaries, which means those lenders will be able to process applications and submit them to the SBA first. We will hold completed applications until the SBA opens the portal for other financial institutions. We will process PPP applications for members only whether retail or commercial. We will process the applications in the order in which they are received. If you wish to submit a PPP application, please send an email with your business name and contact information to [email protected]. Someone from Georgia’s Own will contact you as soon as possible. We remain committed to delivering critical economic relief to businesses in our community.

As always, we appreciate your business membership with Georgia’s Own.

01/05/2021

On 12/28/2020, the President signed a new stimulus bill that renewed the Paycheck Protection Program (PPP). Georgia’s Own is awaiting instructions and guidance from the SBA on this second round of PPP Loans. Once the details have been established, Georgia’s Own will begin working expeditiously to apply those changes to our online application system, forms, and processes.

If you are a member of Georgia’s Own and wish to be added to a waitlist for a PPP Loan application, please send an email with your business name and contact information to [email protected]. Someone from Georgia’s Own will contact you once we begin accepting applications. We are committed to delivering critical economic relief to businesses in our community.

As always, we appreciate your business membership with Georgia’s Own.

10/29/20

Georgia’s Own now has PPP Loan Forgiveness Applications available for our members. If you wish to request your Forgiveness Application, please send an email with your business name and contact information to [email protected]. Someone from Georgia’s Own will contact you as soon as possible.

The 3508S Forgiveness Application has been released by SBA for the PPP loans of $50,000 or less. This simplified application is designed to make forgiveness easier for businesses! The newly released 3508S Forgiveness Application will be available in our system on November 14, 2020. If you wish to wait, please follow up with us on November 14th to request that the new, simplified 3508S Forgiveness Application be emailed to you.

Fraud alerts: COVID-19 scams to look out for

Scams on the rise during COVID-19

Federal agencies warn of emerging fraud schemes related to COVID-19 vaccines

New round of COVID-19 scams as second round of economic impact payments are delivered

Our financial education partner, EVERFI, is making available a new K-12 Family Portal that will allow parents to receive direct access to our library of 20+ digital courses for K-12 students for a limited time. This is a free resource, but you will need to register in order to access!

How Will the Coronavirus Stimulus Package Help Your Family

5 things to do at home while practicing social distancing

How to manage stress and anxiety during a pandemic

What to do if you’re in real financial trouble

How to save for an emergency during an emergency

Budgeting during a crisis

The CARES Act helps free up funds in 2020

Manage your loans during difficult times

Debt management

Healthy financial habits

12 ways to make distance learning a success for your family

How to build your credit rating

Is now the best time to buy a car?

9 tips for how to make your WFH space more productive

Job hunting during a pandemic

Forbearance vs. deferment: what’s the difference

How to make your Zoom set-up rock

How to help during the pandemic

How to apply for unemployment benefits

How to start an emergency fund

Quarantine cooking: recipes to make you feel like you are traveling the world

Financial tips to help you survive the pandemic

Trimming down your expenses: a review of Truebill

How to help small businesses during COVID-19

One million students in Georgia rely on free and reduced lunch programs to sustain them throughout the day. When schools suddenly began a virtual curriculum in March of 2020, many of these students were left without a reliable source of food. Through member donations, a Visa® giveback campaign, and a match from the Georgia’s Own Foundation, we were able to donate $62,000 to fight student food insecurity throughout the state.

In April, the Georgia’s Own Foundation provided meals from local restaurants to healthcare workers at various hospitals across the state. Supporting the frontline who are working so hard to keep our community healthy and supporting our local businesses is more important than ever now. Thanks to your donations to the Georgia’s Own Foundation, we continue to be able to give back to the people helping our state the most.

During National Nurses Week in May, we honored a local nurse each day on the Georgia’s Own Sign. Additionally, we showed our gratitude by presenting each person we featured with a $500 gift card.

Because of the pandemic, seniors across the country were unable to celebrate with a formal graduation. To help make up for missing this important milestone, we featured local high school and college graduates on the Georgia’s Own Sign throughout May, June, and July.

The Georgia’s Own Foundation was thrilled to partner with the City of Atlanta to facilitate $1.5 million in grants to city contract workers whose jobs were cut or hours significantly reduced due to COVID-19. Seven hundred and fifty employees received a $2,000 tax-free grant to help cover expenses made incredibly more difficult by the pandemic.

To honor our Veterans in need on Veterans Day, our branches and headquarters worked together to create 400 ‘cleaning kits’ to distribute in Albany (90Works) and Atlanta (Veterans Empowerment Organization). These kits not only helped to maintain their space, an enormous source of pride for the Veterans, but also provided protection against the spread of COVID-19, the flu, and more.

If you’d like to make a year-end tax-deductible contribution to the Georgia’s Own Foundation so that we can amplify this work even further as we head into 2021, please click here. Any amount is greatly appreciated and will make an impact.