Debit Card
Instant, easy access to secure payments with your Georgia’s Own Visa® Debit card, linked to your checking account.
The freeway between funds and fun.
All of our checking accounts include a secure debit card, so you can spend worry-free.
- Works with Apple Pay®, Samsung Wallet®, and Google Wallet™, so you can forget fumbling for cash
- Visa’s Zero Liability1 policy helps ensure you only pay for what you buy
- Added security—your card is chip enabled and contactless, making purchases safer
- Manage your card anytime, anywhere with card control options and alerts
- Text alerts keep you one step ahead of unauthorized use2
Check out before you tap out
Online shopping isn’t always as convenient as it sounds. Visa Click to Pay makes the cart-to-casa pipeline as smooth as you deserve. With Visa Click to Pay, you’ll cut clicks and save minutes.
No more typing out 16-digit account numbers, shuffling through passwords, or filling out tedious forms just to make a purchase. It’s digital checkout how it should be—fast and easy. And it gets better. For existing Visa Click to Pay users, all Visa cards you have stored can be accessed with the same simple system.
Your world, uninterrupted.
If your card is stolen, lost, or reissued due to closure, we don’t want you to scramble to make sure your bills still get paid.
When the information on your Georgia’s Own debit or credit card changes, Visa Account Updater saves you time and headache by updating your card number and expiration dates on recurring payments with qualified participating merchants. This prevents interruptions to billing cycles, which can result in service disruptions that sneak up on you.
Not all merchants subscribe to Visa Account Updater though, so you still have to notify those who don’t of any changes.
Debit Card FAQs
In most cases, yes. Many online retailers will allow payment using your checking account information, like using your debit card. You can also make online purchases with your checking account information by verifying your account with a digital wallet or financial transaction app such as PayPal or Venmo.
If your debit card has been lost or stolen, you can update your card status through online banking by selecting Card Management (under the Accounts tab) or Manage Card in our mobile app, and a replacement card will be sent to you. If you suspect fraudulent activity, immediately block your card in online banking or our mobile app and call us right away at 800.533.2062. You can also send us a secure message through online banking to begin a transaction dispute.
You can set up and manage debit card alerts and controls through online banking by selecting Card Management (under the Accounts tab) or through our mobile app by selecting Manage Card. This feature allows you to turn your card on or off, set transaction alerts, report a card as lost or stolen, request a replacement card, establish spending controls, and restrict transactions by merchant type, location, or transaction type for greater flexibility and control.
Georgia’s Own imposes a fee of 2.00% of the amount of the transaction, calculated in U.S. dollars, on all foreign transactions. A foreign transaction is any transaction that a member or a merchant completes on a Visa credit or debit card outside of the United States, with some rare exceptions. This fee is charged because of the exchange rate between the transaction currency and the billing currency used for processing international transactions. You’ll see this on your Statement of Accounts and in your online banking history with a description of “Foreign Transaction Fee Conversion” or “International Transaction Fee.”
Spending on your terms? Check.
All Access Checking
The vanilla ice cream of spending accounts. Easily manage your cash with no balance or deposit minimums.
Perks+ Checking
Feeling extra? Treat yourself to early paydays, shopping and dining discounts, and more.
Student Access Checking
Our Student Access account offers checking and special benefits for members ages 13-17, who are starting out on their journey toward financial independence.
Learning Center
Go beyond banking with resources and news to learn how to make informed financial decisions.
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1Covers U.S.-issued cards only. Does not apply to ATM transactions, certain commercial card transactions, PIN or other transactions not processed by Visa. You must notify Georgia’s Own immediately of any unauthorized use. For specific restrictions, limitations and other details, please contact Georgia’s Own.
2Georgia’s Own does not charge for this service, but please refer to your cell phone plan carrier for any text plan charges.
