Online Banking | Tutorials & FAQs

Member-to-Member Transfer Walkthrough

Member-to-Member Transfer (M2M) FAQs

Is there a fee for Member-to-Member transfer?

Nope! Member-to-Member transfers are free!

Where do I go to set up a Member-to-Member transfer?

To add or set up a one-time transfer, log in to the desktop version of online banking, choose the 'Transfers' widget and click on the 'Classic' tab.

How do I add an account for Member-to-Member transfer?

After choosing the 'From Account' click on the 'Add Account' button below the 'To Account.' You'll need to supply the first and last name, as well as the account number without any dashes. For example, 800123456000.

Please note: The information must match perfectly to what the member has on record. If you get an error that 'No matching accounts were found' you will need to contact the recipient to verify the following four pieces of information.

  1. First name
  2. Last name
  3. Account number
  4. Ensure the recipient is registered for online banking

Can I specify an account that the money will be sent to?

Yes! In the 'Account Number' field add the specific three-digit suffix to the end of the 9-digit member number without any dashes. For example, 800123456000.

Can I call and confirm the recipient's information if I'm having issues?

To protect the privacy and security of our members, you would need to work directly with the recipient to confirm the name as it is spelled in our records, as well as the account number and suffix.

Can I use a MICR number in the 'Account Number' field?

Not at this time. You would be able to specify the account by adding the three-digit suffix to the end of the 9-digit member number without any dashes. For example, 800123456000.

What if I do not want to save the linked account for future use?

Simply make sure the 'Save Account For Future Use' box remains unchecked.

Will the recipient see my account number?

Nope! They will see 'Member to Member Transfer' and any 'Reason' you provided at the time of your transfer.

How can I verify who I sent money to via Member-to-Member transfer?

Navigate to the 'Transfers' widget and choose the 'History' tab. You'll see the nickname you provided when you set-up the transfer.

How can I remove someone that I've added for a Member-to-Member transfer?

At this time, the only way to hide a linked account from your transfer options is to navigate to 'Settings' and choose the 'Accounts' tab. Next to the linked account click 'Edit,' check the box for 'Hide This Account' and choose 'Save.'

Please note: If you later try to re-add a linked account that you've hidden, you'll receive an error message that the account has already been added. Simply return to the 'Settings' area and unhide the account.

Can I set up a scheduled transfer to a linked Member-to-Member account?

Yes! Using the 'Classic' tab you will be able to schedule a transfer just like any other transfer.

Can I use Member-to-Member transfer on mobile?

After linking and choosing the 'Save Account For Future Use' on the desktop version of online banking you'll see the linked account in the Transfers area on mobile.




Mobile Deposit Walkthrough

Mobile Deposit FAQs

How do I access mobile deposit?

First, you'll need to make sure you have registered for Georgia's Own online banking via tablet or desktop. Next, you'll need to download the Georgia's Own Mobile Banking App from either the Apple or Google Play App stores. Please note: The app is only available for iOS or Android devices at this time. After logging in, you'll press the menu button located in the top left-hand corner of the app (three horizontal lines) and select the option for 'Deposit a Check.'

How do I deposit a check?

1) Make sure you have signed the back of the check and written 'For Mobile Deposit Only' below your signature.
2) Tap the menu button inside the app (three horizontal bars) and choose 'Deposit a Check.'
3) Click the 'Deposit a Check' button once again (This is the check deposit history screen. In the future you'll see all of your past check deposits and their respective statuses).
4) Choose the account where you want your check deposited.
5) Enter the amount of the check.
6) Ensuring the check is in focus and is within the frame supplied; take an image of the front of your check.
7) Ensuring the check is in focus and is within the frame supplied; take an image of the back of your check.
8) Select 'Deposit Check' at the bottom to submit the check for review.

What types of checks are accepted using mobile deposit?

Any personal checks, government/treasury checks or cashier's checks made payable to and endorsed by the account holder. Checks must be from a U.S. institution and in U.S. dollars.

Please note: Checks made payable to multiple individuals must be deposited into an account where all individuals are account holders. For example, if a check is written to you and your spouse both will need to be account holders on the deposit account for it to be accepted via mobile deposit.

What should I do with the check after I have submitted it via mobile deposit?

Please hold on to your check for at least 45 days to ensure everything has processed correctly.

Who is eligible to use mobile deposit?

All checking and savings account holders other than Resolution Checking and Resolution Savings accounts will be eligible for mobile deposit.

What accounts are eligible for mobile deposit?

Any checking or savings account (other than Resolution Checking and Resolution Savings) as well as money markets.

What is the maximum amount I can deposit per check?

Up to $10,000 per check.

Are there daily or weekly limits?

There are no daily or weekly limits but you can only deposit up to $10,000 per check.

After submitting my check how long will it take for my money to be deposited into my account?

The first $200 of your deposit made before 2:00 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 one business day later. For example, if you submit a $1,000 check at 1:00 p.m. ET on a Monday, you'll have access to the first $200 by the end of Tuesday and the remaining $800 on Wednesday.

The first $200 of your deposit made after 2:00 p.m. ET on a business day will be available in your account in two business days with the remaining funds available one business day later. 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 $200 by the end of Wednesday and the remaining $800 on Thursday.

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 notify you in those situations.

How will I know if my deposit has been accepted or rejected?

After clicking 'Deposit a Check' from the app menu, you'll be directed to the deposit history page. Any deposits shown with a green check mark have been approved and will follow our standard holds (see question above). 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 in a lighter color notated with a clock are still pending approval from Georgia's Own.

I'm receiving an error message that states, "The check amount exceeds your remaining daily limit"?

You can deposit up to $10,000 per check. Any attempted deposits over that amount will be rejected before submission.

I'm receiving an error message that states, "Could not find endorsement on back of check: make sure check is endorsed! Retake photo"?

Please ensure that you have signed the back of the check as well as added "For Mobile Deposit Only" below your signature, then retake the photo of the back of your check.

I'm receiving an error message that states, "Cannot read check. Please retake photo. Have steady hands, good lighting, and four check corners visible"?

Please ensure that the image of the front of your check has not been cut-off and is in focus.

I'm receiving an error message that states, "The amount you entered did not match the amount detected. Please re-enter amount and retake photo"?

Please ensure that the amount you provided is the same as written on the check.




Existing User Registration

Existing User Registration FAQs

If I'm an existing Georgia's Own online banking user, do I need to register for this new system?

No. You will use your existing username and password combination via the "Username" area on our homepage.

What do I use as my username on my first login?

You'll use your existing username which is typically your account number.

What do I use for my password?

You'll use your existing password.

What are the password requirements of the new system?

Your password must be at least eight (8) characters in length, contain at least one lowercase letter, one uppercase letter, and one number.

Why are the password requirements different for this system?

Our main priority is the security of your financial information. By slightly adjusting the password requirements, this ensures a more secure password.

Will I have to answer all five security questions upon every login?

No. You'll only have to answer two security questions upon login. You can also select "Remember Me On This Device" to bypass the security questions when logging in from a recognized device (computer, tablet, mobile device). Please note: In order to remember a device, you must have cookies enabled on your computer, mobile or tablet device.

Why am I required to choose a confidence image and image secret?

The confidence image/image secret combination is a security feature to combat fraudulent activity such as phishing. You will be presented this combination at every login. If you do not see this combination at a login, do not answer your password and contact our Security Department immediately.

Can I change my username with this system?

Yes you can! Simply select "Settings" on the top right inside Online Banking and then use the "Change Username" feature in the "Security Information" section.




Mobile Tutorial

Mobile Banking FAQs

When will mobile banking be available?

Mobile banking is currently available as an app for Android and iOS devices. All other devices can use mobile web banking at georgiasown.org.

If I haven't registered for the new online banking system, can I do it through my phone?

Not at this time. You'll need to register via a computer or tablet.

Can I skip the security questions?

The first time you login on a mobile device you must answer the security questions. However, you do have the option of choosing "Remember me on this device" which allows you to skip the questions on subsequent logins. Please note: In order to remember a device, you must have cookies enabled on your computer, mobile or tablet device.

Am I able to view all my accounts via mobile banking?

At this time you cannot view some mortgage accounts and only limited information on Georgia's Own Visa Credit Cards. If you are using the mobile web version, you can use the "View Full Site" option at the bottom left of the screen in order to view full account details.

Is there any way to make a scheduled transfer via mobile banking?

Not at this time. If you are using the mobile web version, you can use the "View Full Site" option at the bottom left of the screen in order to view full account details.

What mobile browsers are supported with mobile banking?

Android 2.3 and above. iOS 6 or above. To ensure your mobile browser provides the best mobile banking experience possible, click here to check your browser's compatibility with the new system.

Is mobile banking secure?

Yes. Georgia's Own Mobile Banking is as secure as Online Banking.




Transfers Tutorial

Transfers Options FAQs

How do I access the Transfers area?

Select the "Transfers" widget located on the left side of the screen.

One of my accounts is grayed out from the "From Account" section in the "Quick" tab.

This occurs when you do not have enough funds to make a transfer from that account.

One of the amounts is grayed out from the "Amount" section in the "Quick" tab.

This occurs when you do not have enough funds in your "From Account" to complete a transaction.

One of my accounts is missing from the "From Account" section in the "Quick" tab.

Some accounts, such as auto loans and 1st mortgages, do not allow you to transfer money out of the account.

What if I want to make a transfer for an amount that is not available in the "Quick" tab?

You'll need to use the "Classic" tab. From that section you'll be able to make a transfer in any amount needed. This will be primarily used for making payments to your Georgia's Own accounts.

How do I set up a scheduled transfer?

To set up a scheduled transfer, you'll need to use the "Classic" tab. From there, you'll be able to choose the "From" and "To" account, the amount, frequency and start date.

Can I view completed transfers?

You can use the "History" tab to view and search for past transfers. You can search by "From Account," "To Account," date and status.

Where can I find a list of my upcoming transfers?

You can use the "Scheduled" tab to view and search for upcoming transfers. You can search by "From Account," "To Account," date and status.




Accounts Display

Accounts Display FAQs

I see a clock icon next to one of my accounts — what does that mean?

The clock icon represents pending transactions on that particular account. To view these transactions, simply click on the account name and they will be listed above the transaction items that have already cleared.

Are pending transactions included in my available balance?

Debit transactions are included in your available balance. Automated Clearing House (ACH) transactions do not reflect in the available balance.

What do the colored lines next to my accounts mean?

Each account is assigned a designated color which makes it easy to spot which transactions are associated with certain accounts.

Can you customize the colors associated with each account?

Yes! Simply navigate to the settings area located at the top right of the screen and then select the "Accounts" tab. From there select "Edit" next to the account, click "Theme Color" and then choose your desired color. Make sure to click "Save."

What if I don't want to see every transaction made on every account- I just want to look at the transactions made on a single account?

From the Overview Tab, simply click on the account nickname that you would like to view. You can also click on any account listed in the box above the transactions to pull up individual account information. Deposit accounts are listed before loan accounts, and you may need to scroll down to see your complete list of accounts.

What is the difference between my available balance and my current balance?

Your current balance is a reflection of all the transactions that have cleared your account. Your available balance reflects cleared and pending transactions, some of which may have holds on them or are otherwise waiting for approval. It is the amount that you are able to access, transfer or withdraw immediately, and is the most accurate depiction of your account at the time.

What are the Trends?

The Trends provide a visual overview of your account activity over the past three months. You can see trending information for all of your accounts by clicking on the Transactions tab, or you can view trends for an individual account by clicking on your desired account. In each view, you can scroll across the lines for daily balance information.

What are Allocations?

The Allocations is another visual tool used to show what percentage of your total deposit portfolio at Georgia's Own each account is responsible for. By hovering over each section, you'll be able to see the account balance and percentage figure.

What are 'draft' and 'share' accounts?

Draft accounts are your checking products, and share accounts refer to your savings accounts.

Where are my eStatements?

If you click on the "Statements" Tab, you'll see a drop down box at the top of the page. Simply click the arrow to display your accounts, and select the one for which you'd like to view the e-Statement. Your statement will appear momentarily and you'll have the ability to save it, print it or just view it for reference.

How far back will you keep my eStatements stored in online banking?

18 months.

Is it possible to reorder my accounts?

Yes! Simply navigate to the settings area located at the top right of the screen and then select the "Accounts" tab. From there select "Reorder Accounts" and drag to your desired order and click "Save Order."

Is it possible to hide an account from view?

Yes! Simply navigate to the settings area located at the top right of the screen and then select the "Accounts" tab. From there select "Edit" next to the account, select the box next to "Hide This Account" and then click "Save." To unhide the account, deselect the box next to "Hide This Account."

Where do I change the account nickname?

Navigate to the settings area located at the top right of the screen and then select the "Accounts" tab. From there select "Edit" next to the account, type in your desired nickname then click "Save."




Settings and Options

Settings and Options FAQs

How do I find the settings area?

The settings are located in the upper-right corner of your screen, next to 'Logout.'

What can I do in the settings?

Within the settings, you'll be able to customize most aspects of your online banking, including your profile, theme, which widgets you want to appear and in what order, contact notifications, account settings and more.

Can I change my username with this system?

Yes you can! Simply use the "Change Username" feature in the "Security Information" section.

Why do I have to answer security questions to change my security information?

This is a safety measure to ensure that any pertinent changes to your account are being made with your approval.

What are widgets?

Widgets are shortcuts to online banking features displayed on the left side of your online banking screen at all times for easy navigation. You can change which widgets you want to see and order them according to preference in the 'widgets' tab in settings.

How do I change the order of the widgets?

In the 'widgets' tab within settings, click 'reorder favorites' and drag the widgets to your desired order. Then click 'save order' and your changes will take effect immediately.

What if I have a widget listed in my 'active' column, but it's not displaying in the widget panel?

If a widget is listed as active but is not one of your favorites (those with yellow stars), it will show up when you click "More" in the left widget bar.

I'm having trouble adding other widgets to my favorites.

You can choose up to 5 widgets to display in the widget panel. If you already have 5 widgets in your 'favorites', you must remove one or more before adding others.

What can I do in the 'contact' tab?

This is where you'll be able to modify your contact information, such as your email address(es) and let us know your preferred method of communication.

Why can't I change my home address in the 'contact' tab?

The ability to update home address information is currently unavailable. You can send us a change request through the Message Center or we will be happy to change this information for you over the phone (404.874.1166, 800.533.2062).

I made a temporary address change but my online banking profile is still showing my old address.

Your home address is your physical address and not necessarily your mailing address. A temporary address change reflects a temporary change in your mailing address and not your physical address.

What can I do in the 'notifications' tab?

In the notifications tab, you'll be able to choose which events for which we'll contact you, such as balance alerts, goal completions and transfer notices. You'll be able to set the parameters that determine when to be contacted, along with the contact method.

What notification options are available in the upgraded online banking system?

Balance Alerts notify you when your balance has fallen below or risen above a specified amount. You will only receive these alerts once crossing that threshold. For example, if you want to be notified when your checking account falls below $300 you will not be alerted until a transaction makes you fall below that amount. You will receive Balance Alerts each day sometime after 10:00 p.m. when applicable.

If you want to see your balance every day regardless of amount, you'll choose Balance Summary Alert. You can set these to run Weekly or Daily and at a specific time.

If you are taking advantage of the Savings Goals widget, you can use the Goal Completed Alert to notify you when you have met your goal. You will receive these notifications at 11:00 p.m. when applicable.

Additionally, you can use the Goal Endangered Alert to notify you when you are in danger of falling short of your goal. You will receive these notifications at 11:30 p.m. when applicable.

Transfer Fails alerts notify you when a transfer you have attempted in online banking has failed. You will receive these notifications within 10 minutes when applicable.

If you want to be notified when you have a successful transfer, you can opt for the Transfer Succeeds notifications. You will receive these notifications within 10 minutes when applicable.

Why am I not receiving notifications for which I have subscribed?

Notifications will only take effect if a contact method has been chosen, as well as the customization values, where applicable. You may want to revisit the notifications tab in settings and double check that you have made these selections.

How do I give my account a nickname?

In the 'accounts' tab within settings, select 'edit' next to the account you wish to nickname. A small pop-up box will then appear and you'll be able to change the name.

How do I change the colors associated with my accounts?

In the 'accounts' tab within settings, select 'edit' next to the account you wish to change. A small pop-up box will then appear and you'll be able to change the Theme Color.

How do I hide an account?

In the 'accounts' tab within settings, select 'edit' next to the account you wish to hide. A small pop-up box will then appear and you can simply check 'hide this account'.

How do I reorder my accounts?

In the 'accounts' tab within settings, click 'reorder accounts' and drag the accounts to your desired order. Then click 'save order' and your changes will take effect immediately.




Savings Goals

Savings Goals FAQs

What is the Savings Goals widget?

Savings Goals allows you to set savings goals and track your progress. You can setup multiple goals per account and allocate funds to those goals in different ways. We track your savings progress and let you reallocate funds if priorities change or if you are falling behind on a particular goal.

Where do I locate the Savings Goals widget?

The Savings Goals widget can be found with the other widget shortcuts on the left side of your online banking screen.

How do I create a new goal?

To create a new goal, click on the "Savings Goals" widget on the left hand navigation. Next, choose which savings account under which you would like to create the goal and click the green "New Goal" button to the right of your chosen account.

How do I add funds to my goals?

To add funds to your goals, deposit funds into the account linked to your goal. To transfer funds to your goal or reallocate funds to your goal select the Add Funds button next to the Goal Progress Bar.

Why are my goals grouped together under different accounts?

Goals are grouped together under the account to which they are linked.

How can I tell which goals I have in progress and which goals have been completed?

Hovering over the Goals in Progress indicator (clock) tells you how many unmet goals are tied to the account. Hovering over the Completed Goal indicator (check mark) tells you how many completed goals are tied to the account.

How do I change my goal amount or make other changes to my goal?

Next to the goal you wish to change, select Edit to change individual goal settings.

Once I've reached my goal, how can I use my savings?

Once you have met your goal, you can spend your savings by transferring your goal amount to your checking account(s). You can transfer all or part of your completed goal amount by selecting the Spend Funds button next to your completed goal.

Can I set up a savings goal for any of my accounts?

No. You can only set up savings goals for any of your savings (share) accounts.

Why should I set up savings goal?

Setting up a savings goal allows you to put money aside for a specific reason (new car, vacation, etc.) and helps you stay on track to reach that goal.

What types of things can I save up for?

Anything that you wish - new furniture, a vehicle, a vacation or even a wedding. It's up to you to decide!

How do I know when I've reached my savings goal?

You will see an alert in the "Last X Days" area on the dashboard or you can set up a notification under Settings.

What if I no longer wish to save for one of my savings goals?

You can remove any of your goals by selecting Delete next to the goal you wish to delete. Funds allocated to the goal will be reallocated to the remaining goals in the savings goal group.

How will I know how much to save each month to meet my savings goal?

Once you set a target date and an amount you want to save, the system will tell you how much you should save each month.




Payments

Payments (Bill Pay) FAQs

How do I access Bill Pay?

Bill Pay can be accessed through the "Payments" widget located on the left hand widget bar.

Why is it called "Payments" instead of "Bill Pay"?

The new and improved "Payments" not only allows you to pay your bills, but you can now make Account-to-Account (A2A) transfers.

How do I set up an automatic payment?

You can set up an automatic payment by clicking the "Payments" widget. Then pick a bill you want to pay, enter the bill info and choose how much you wish to pay and when you want to make a payment.

Can I view my bill payment history?

Yes. You can view your payments and bills under the "Bill History" tab.

How do I cancel a payment?

You can cancel any payment that has not started processing by clicking "Cancel" next to the payment you wish to cancel.

What if I don't want to use Bill Pay but would like to access A2A transfers?

Click on the "Payments" widget and simply select the "No, thanks. I'm not paying a bill right now" link located at the bottom right of the page.

Can I transfer money between accounts?

Yes. If you've added more than one account, you can easily transfer money between the accounts. Please note: This is only necessary if you are not joint on the accounts. If you are joint on the accounts, you can use the "Transfers" widget inside online banking to avoid the $1 fee.

In what ways can I transfer money between two accounts?

With the A2A transfers, you can either set up a single transfer or repeating transfer. A single transfer is a one-time transfer that takes place on the earliest available date or up to one year in the future. A repeating transfer will automatically repeat on a recurring schedule that you manage..

How do I know the status of my transfer?

The transfer status appears on the "History" page inside of the "Transfer Money" tab. If the transfer is being processed normally, you will see the confirmation number automatically assigned. If the transfer has been canceled, or if it failed during processing, you will see the status of the transfer as "Canceled" or "Failed."

Can I view pending transfers?

The "Pending Transfers" section presents a summary of the transfers you've made that have not started processing.

What if I find a mistake with my transfer?

If the transfer has not started processing, you can cancel it and transfer the money again.

Can I view my transfer history?

Yes. You can review your account transfers for the past 24 months on the "History" page. The page shows all of your transfers, including pending, processing, processed, failed and canceled transfers

What if I have a problem with a transfer and I need assistance?

If you have an issue with a particular transfer, you can send a transfer inquiry to customer service. We will attempt to resolve the problem and a message will be sent to your Messages Inbox with a reply to your inquiry.