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Perks+ Checking
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Thank you for choosing Georgia’s own!
You want perks? We’ve got them. Enjoy everything that our All Access Checking has to offer and much more with our Perks+ Checking—all for only $5.95 per month! The incredible savings alone can quickly and easily cover the low cost.
Anywhere Banking Tools
Online banking, mobile banking, bill pay, debit card, and eStatements.
Get Paid Early1
When you receive direct deposit to your Perks+ Checking account, powered by Bazing, you can access your funds up to two days early1. You’ll get paid as soon as the money is available—which can be up to two days before traditional banks.
Our Best Checking Rate
Great interest on your checking balance.
Shop & Save Local
Local discounts and deals from national retailers—save on shopping, dining, and more.
Cell Phone Protection2, 3
Receive up to $400 per claim ($800 per year) if your cell phone is broken or stolen when you use Perks+ Check to pay your cell bill.
ID Theft Aid2, 3, 4
- Payment card fraud resolution: If your cards are lost or stolen, you have a personal fraud specialist ready to assist you.
- Personal identity theft benefit: Receive $5,000 reimbursement for covered expenses you incur to restore your identity.
- Identity restoration: Unlimited access to personal fraud specialists who provide identity recovery and restoration assistance.
- Identity monitoring: Designed to secure your personal and financial information and provide monitoring of your personal information. Requires additional activation for monitoring to begin.
Roadside Assistance
Available 24/7 and free to use, up to $80 in service charges.
$10,000 Travel Accidental Death Coverage3
Peace of mind for the unexpected.
Buyer’s Protection and Extended Warranty2, 3
Your newly purchased item can be reimbursed or replaced if an accident or theft occurs within 90 days of purchase, when purchased using your Perks+ checking account.
Pharmacy, Vision & Hearing Savings
Save on prescriptions, eye exams, frames, lenses, and hearing aids.
1Early access to direct deposit funds depends on the timing of the submission of the payment file from the payer. We generally make these funds available on the day the payment file is received, which may be up to 2 days earlier than the scheduled payment date. Click here for FAQs.
2Cell Phone Protection, Personal Identity Protection, and Buyer’s Protection and Extended Warranty are subject to additional terms and conditions.
3INSURANCE PRODUCTS ARE NOT A DEPOSIT, NOT FEDERALLY INSURED, NOT AN OBLIGATION OR GUARANTEED BY THE CREDIT UNION, ITS AFFILIATES, OR ANY GOVERNMENT AGENCY.
4Identity monitoring requires activation for monitoring to begin.
Georgia’s Own is proud to support the Atlanta Jazz Festival, one of the country’s oldest and largest free jazz festivals.
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