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Mobile Banking
Whether you’re on-the-go or taking it easy at home, we’re as close as your smartphone. Our mobile banking and deposit features offer the control and convenience you expect. To get started, sign up for mobile banking here. At this time, registration is only accessible through desktop or tablet sites. However, once you’ve registered, you’ll be able to pay bills, deposit checks, make transfers and much more!
Depositing a Check From Your Mobile Device
- Make sure you’re signed up for online banking. If you haven’t, you can do so here.
- Download our app from the iTunes store (iOS) or Google Play store (Android).
- Log-in and tap the button that says, “Deposit a Check.”
- Sign the back of your check and write, “For mobile deposit only to Georgia’s Own Credit Union” beneath your signature.
- Tap the menu button (three straight lines) and tap “Deposit a Check.”
- Tap “Deposit a Check” again to see your deposit history.
- Choose the account you want to deposit the check in.
- Enter the amount of the check.
- Make sure the check is in focus and framed correctly, then take the picture.
- Flip the check over and repeat the process to take a picture of the back.
- Select “Deposit Check” to submit the check for review.
- To make sure your check was accepted, follow these steps: After clicking “Deposit a Check” from the app menu, review your deposit history. Any deposits shown with a green check mark are good-to-go. If a deposit has an exclamation point inside a red triangle, you’ll be notified via the online banking message center as to why it was not approved. Any deposits with a clock are still pending approval.
If you have any questions or would like to see a tutorial, check out our FAQ page.
Mobile Banking
Experience the difference of becoming a member at Georgia’s Own!
Apply for an Account 
Things to Know About Depositing Checks
You can deposit any type of check from a U.S. institution in U.S. Dollars using Mobile Check Deposit, as long as it is made payable to you and endorsed accordingly. Hold on to your check for 45 days to ensure proper processing, then rip it up and discard.
The first $225 of your deposit made before 3:30 p.m. ET on a business day will be available in your account by the end of the same business day with the remaining funds available by the end of the next business day.
The first $225 of your deposit made after 3:30 p.m. ET on a business day will be available in your account by the end of the next business day with the remaining funds available by the end of the following business day.
For example: If you submit a $1,000 check at 6:00 p.m. ET on a Monday, you’ll have access to the first $225 by the end of the day Tuesday and the remaining $775 by the end of the day Wednesday.
Any non-holiday, weekday is considered a business day.
There are certain scenarios where we might place an extended hold on your check. We will let you know when those situations arise.
Points:
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.
Annual Percentage Rate (APR):
A rate that reflects the actual annual cost of a loan and includes the loan interest rate, private mortgage insurance, points and some fees.
Loan Assumptions and Disclosures
These sample rates are published weekdays at 10:00am EST.
The information provided is general and assumes only the following scenario:
- Purpose of the loan: Purchase a property.
- Property location: Atlanta, GA 30303
- Property Type: Existing single family home
- Property Use: Primary residence
- Estimated property value: $200,000
- Estimated down-payment: $40,000
- Loan amount: $160,000 (80% Loan to Value)
- Credit Score: 740
- Escrow (impound) account is required.
- Rate lock period is 45 days.
- Fees: $3000 to estimate closing costs in order to approximate an APR.
Georgia's Own Credit Union Loan Options
Mortgage Type:
5/5 ARM
Advantages:
- Interest rate stays fixed for first 5 years. Adjusts every 5 years thereafter.
Best Choice If:
- The benefits of both a Fixed and ARM product.
Disadvantages:
- Interest rate and monthly payments will adjust in the future.
- Interest rate can rise above the current fixed rates over time.
ARM Features:
- Fixed for 1st 5 years, adjusts every 5 years after.
Georgia's Own Credit Union Loan Options
Mortgage Type:
30-Year Fixed
Advantages:
- Level principal and interest payments for the full term of the loan.
- Allows for higher loan amount qualification and enhanced buying power.
- No risk that changing market conditions will increase your monthly payments.
Best Choice If:
- You plan on staying in the home long-term.
- You need your monthly payments to remain fixed over the life of the loan.
Disadvantages:
- Benefits of the fixed rate are not realized until after the 10th year. (10/1 ARM is a better option if loan is paid-off within 10 years.)
Georgia's Own Credit Union Loan Options
Mortgage Type:
15-Year Fixed
Advantages:
- Level principal and interest payments for the full term of the loan.
- No risk that changing market conditions will increase your monthly payments.
- The loan balance will decrease more rapidly than a 30 Year mortgage.
Best Choice If:
- You plan on staying in the home long-term.
- You need your monthly payments to remain fixed over the life of the loan.
- You would like to pay-off the loan balance quickly.
Disadvantages:
- Monthly payments are higher than a 30-year mortgage
Sample Payment:
- Please click on the P&I link at