Upcoming service changes

Starting July 1, 2026, we’ll be adjusting branch hours at our Augusta Main and Evans branch locations. The new hours will be:

• Monday: 9:00am–4:00pm
• Tuesday: 9:00am–4:00pm
• Wednesday: 9:00am–4:00pm
• Thursday: 9:00am–4:00pm
• Friday: 9:00am–5:30pm

Starting July 1, 2026, we’ll be adjusting drive-thru hours at our Blackshear, Eastman, Folkston, Kingsland, and Waycross branch locations. The new drive-thru hours will match current lobby hours:

• Monday: 9:00am–4:00pm
• Tuesday: 9:00am–4:00pm
• Wednesday: 9:00am–4:00pm
• Thursday: 9:00am–4:00pm
• Friday: 9:00am–5:30pm

Beginning July 1, 2026, the drive-thru at our Americus and East Albany branch locations will be closed on Saturdays. You can contact Member Services at 800.533.2062 for assistance from 9:00am–1:00pm on Saturdays. Online and mobile banking, as well as TeleTalk, are available 24/7.

Your PIN is the four-digit number you use when you pay with your debit card. If you’ve forgotten it, you can send a secure message in online banking or our mobile app, or call Member Services at 800.533.2062.

To send a message in online banking:

1. Click “Log In” in the blue ribbon bar at the top of any page on our website.
2. Enter your username and password and click “Login.”
3. Hover over “Tools” in the grey ribbon bar.
4. Click “Message Center” then “Compose.”

To send a message in our mobile app:

1. Open the Georgia’s Own mobile app on your phone or tablet.
2. Tap “More” in the bottom menu bar.
3. Tap “Tools” then “Message Center.”
4. Tap “Compose.”

You can withdraw cash from your checking account at ATMs. You can also request cash back where you do your everyday shopping, like the grocery store.

Cash from ATMs
You can get cash from any ATM, including Georgia’s Own ATMs and 110,000+ surcharge-free ATMs nationwide.

To get cash:

1. Enter your 4-digit PIN (Personal Identification Number)
2. Pick Withdrawal from Checking

If you use a non-Georgia’s Own ATM or other out-of-network ATMs, you might be charged a fee. To find a Georgia’s Own ATM or a surcharge-free ATM, you can visit our locations page and check the boxes next to “Georgia’s Own ATMs” and “Surcharge-free ATMs” to see locations on the map.

Cash back from participating businesses
You can get cash back when you use your debit card at grocery stores, pharmacies (like CVS or Walgreens), or convenience stores.

To get cash:

1. Select Debit on the keypad
2. Enter your 4-digit PIN
3. Pick Yes for cash back
4. Enter the amount and hit OK

Limits might apply to the amount of cash you’re able to withdraw.

You can enroll in online or mobile banking in just a few simple steps. Once registered, you can use the same username and password to access both mobile and online banking.

From your desktop:

1. Visit online.georgiasown.org/Registration
2. Under “I Want To” click “Register to my individual account.”
3. Follow the steps to register. Once you’ve finished, you can start using online banking.

From your phone or tablet:

1. Download our mobile app from the App Store or Google Play.
2. Tap “Register a New Account” and follow the steps to complete your enrollment. If you’re already enrolled in online banking, there is no need to register. Simply use your online banking username and password to log in.

You can view your account number in online banking and our mobile app.

To find your account number in online banking:

1. Click “Log In” in the blue ribbon bar at the top of any page on our website.
2. Enter your username and password and click “Login.”
3. Click the account you need under “Accounts” on the Dashboard page.
4. Under the account name, click the eye icon to display your account number. You can click the eye icon again to hide it.

To find your account number in mobile banking:

1. Open the Georgia’s Own mobile app on your phone or tablet.
2. Tap the account you need under “Snapshot” when you first open the app.
3. Tap “Show Details” in the top-right corner of your screen (next to the magnifying glass icon).
4. Your account number will be listed in the row below your account’s nickname.

You can check your account balance by logging into online banking, using our mobile app, or by calling TeleTalk.

Online banking

To check your account balance:

1. Click “Log In” in the blue ribbon bar at the top of any page on our website.
2. Enter your username and password and click “Login.”
3. Your checking account balance will show under “Accounts” > “Deposits.” You can click the account to view transactions.

Mobile app

To check your account balance:

1. Open the Georgia’s Own mobile app on your phone or tablet.
2. Your checking account balance will show under “Snapshot” when you first open the app. You can tap the account to view transactions.

TeleTalk

Refer to the “What’s TeleTalk and how do I use it?” question below for steps.

You can transfer money between your Georgia’s Own accounts or send money to your accounts at other financial institutions.

Internal transfers

Internal transfers let you move money between Georgia’s Own accounts, either your own or even another member’s. You can make transfers in online banking or our mobile app.

To make transfers in online banking:

1. Click “Log In” in the blue ribbon bar at the top of any page on our website.
2. Enter your username and password and click “Login.”
3. Hover over “Transfer & Pay” in the grey ribbon bar.
4. Click “Transfers” and follow the steps to pick your transfer type, accounts, how much you want to move, and when. You can also leave a description so you can remember why you made the transfer if you’re reviewing your account later.
5. If you’re sending money to another member, click “More Actions” then “Add Account.” Enter the recipient’s name and account information.

To make transfers in mobile banking:

1. Open the Georgia’s Own mobile app on your phone or tablet.
2. Tap “Transfers” in the menu bar at the bottom of the screen.
3. Tap “Make a Transfer” and follow the steps to pick your transfer type, accounts, how much you want to move, and when. You can also leave a description so you can remember why you made the transfer if you’re reviewing your account later.
4. If you’re sending money to another member, tap “Add Account.” Enter the recipient’s name and account information.

External transfers

External transfers let you move money from your Georgia’s Own account to your other checking or money market accounts at other financial institutions. You’ll need to be enrolled in bill pay to make external transfers.

To sign up for bill pay:

1. Click “Log In” in the blue ribbon bar at the top of any page on our website.
2. Enter your username and password and click “Login.”
3. Go to “Transfer & Pay.”
4. Click “Payments.”

If you’ve made a mistake, you can view, edit, and delete your scheduled transfers under “Scheduled.” To edit the transfer, click “Options” next to the transfer, then click “Edit Transfer” for one-time transfers or “Edit Series” for recurring transfers. You can edit the amount and memo. If you want to cancel the transfer, click “Options” then “Cancel Series.”

Remember to only send money to people you know and trust.

You can easily deposit checks from your phone through the Georgia’s Own mobile app. You can deposit any U.S. check that’s made payable to you. Before you get started, make sure to sign the endorsement line and check that it’s for mobile deposit.

To deposit a check:

1. Open the Georgia’s Own mobile app on your phone or tablet.
2. Tap “Deposit a Check” in the bottom menu bar.
3. Tap “Deposit Account” to pick which account to deposit the check.
4. Tap “Deposit Amount” to enter the amount of the check.
5. Tap “Front of Check” to take a picture of the front of your check. Tap “Back of Check” to take a picture of the back.
6. Tap “Submit Deposit.” Be sure to keep your check for 45 days and shred it after.

You can view the mobile deposit agreement here.

TeleTalk lets you access your accounts 24/7 from your phone. You can check your balance, move money, and more.

To use TeleTalk:

1. Call 800.533.3817 on your phone.
2. You’ll need a few things so we can verify that it’s you: your member number, your PIN, your ZIP code, and your Social Security number (if you’re a first-time user).

For first-time users:

1. Enter the last four digits of your Social Security number when the answering service requests your PIN (don’t worry, it’s just for verification).
2. Change your PIN when prompted.
3. To change your PIN again or activate TeleTalk, press 8 (More Choices) and select 3 to change your PIN or 5 to log in.
4. We’ll send you a verification agreement to sign and return. Once we have it, you can start using TeleTalk and other online banking services.