Helpful Links and Resources

Welcome to Georgia’s Own Resource Center. Here you will find many useful links and information to help you make smart financial decisions.

ROUTING NUMBER:
261071438

Financial Forms

Account Disclosures

Business Deposit Account Interest Rate & Fee Disclosure
Business Deposit Capture Agreement & Disclosure
Credit Card Agreement
Credit Card Application & Solicitation Disclosure
Electronic Disclosure Agreement
Flex Rewards Terms and Conditions
Membership & Services Guide*
Mobile Deposit Terms and Conditions
Online Banking Terms and Conditions
Overdraft Services Disclosure
Truth-In-Savings Savings/Checking/Money Market Disclosure
Truth-In-Savings Savings Certificate/IRA Disclosure
Truth-In-Savings Fee Schedule
Travel and Emergency Assistance (Signature and Platinum Cardholders)
Trip Cancellation/Interruption Reimbursement (Signature and Platinum Cardholders)
Extended Warranty Protection (Signature and Platinum Cardholders)
Buyer’s Protection (Signature and Platinum Cardholders)
Roadside Dispatch (Signature and Platinum Cardholders)
Porch Piracy Protection (Signature and Platinum Cardholders)
*(Privacy Disclosure / Membership and Account Agreement / Funds Availability Policy Disclosure / Electronic Fund Transfers Agreement & Disclosure)

Estate Services

Things to Help You Along the Way: The Survivor’s Guide to Account Settlement

Debt Protection and Credit Insurance Claims

Start a Claim

Life, terminal illness, accidental dismemberment, hospitalization, family medical leave, loss of life of a dependent, disability, or involuntary unemployment claim? We are here to help! In your time of need, the claims process is quick and easy. If you elected payment protection on your loan, you can use this convenient claims process to quickly and easily file your claim.To begin, please fill out a claim form here. If you prefer, call 1.844.707.4964 to begin the process and a CUNA Mutual Group Claims Specialist will assist you.

CUNA Mutual Group is the marketing name for CUNA Mutual Holding Company, a mutual insurance holding company, its subsidiaries and affiliates. Payment protection products include debt protection products available through the credit union and MEMBER’S CHOICE® credit life and credit disability insurance underwritten by CMFG Life Insurance Company.

Products / Services Offered By Third Parties / Affiliates: Any financial, investment, warranty, credit insurance or other products or services (“products”) which are provided by third parties or any affiliates are not products of the Credit Union. If the purchase of same is facilitated by or through Credit Union financing; such is merely a convenience to the borrower(s) and in no way creates any contractual or other relationship between the borrower(s) and the Credit Union with regard to any such products. Any rights, obligations or claims with regard to such products shall be solely and exclusively by and between the party providing such products as may be set forth in any applicable contracts, agreements or otherwise, and the Credit Union shall have no obligations, responsibilities, duties, or liabilities whatsoever regarding same. The products offered are not deposits, are not federally insured, sold or guaranteed by the credit union.

Careers

Join Our Team

Holiday Closings

New Year’s Day – January 2nd Observed
Martin Luther King Jr. Day – January 16th
Presidents’ Day – February 20th
Memorial Day – May 29th
Juneteenth – June 19th
Independence Day – July 4th
Labor Day – September 4th
Columbus Day – October 9th
Veterans Day – November 10th Observed
Veterans Day – November 11th (Branches Closed)
Thanksgiving Day – November 23rd
Friday after Thanksgiving – November 24th
Christmas – December 25th

Order Personal or Business Checks

Security Tips & Fraud Alerts

Identity Theft Information

To learn more about Identity Theft and how it could affect your financial standing please Click here and read an informational brochure on “Phishing”.

10 ways to stay safe online

What is multi-factor authentication?

Why should you update your software?

6 steps to protect your business’s financial data

10 common cybersecurity misconceptions

Car Wrap/Car Advertising scam

One of the biggest scams that we are seeing this year at Georgia’s Own Credit Union is the car wrap or car advertising scam.

Here’s how the scam operates:

You receive an email asking if they would like to make some money by having their car wrapped in a well-known brand logo (e.g. Oral B, Dr. Pepper, or Rock Star Energy Drink). The offer sounds good, especially since there is the option of removing the wrapped sticker after a number of months. Once the offer is accepted, the scammers will send a check for a large amount of money, according to the length of time the member wants to be a “mobile advertiser”.
The instructions for cashing the check indicate that a certain portion of the money is to be kept as the member’s payment and the rest is to be sent via wire transfer to the company who will supposedly wrap their vehicle. After wiring the money, the original check will be returned and the total amount of the check will be debited from your account.

Keep in Mind / Ways to Recognize this Scam:

Remember, no major brand would hire just anybody to wrap their cars with advertising. It’s great to get paid to advertise on your car, but corporations are very careful about their image and typically have large marketing departments in-house.
The scammers steal images from websites belonging to reputable companies that do professional car wrapping and make the email recipient believe it’s their business.
Delete the email, not every online job opportunity that comes your way is real. If you receive a counterfeit check, please shred or you can contact ERM Security at [email protected]

What is SIM swap fraud?

SIM swap fraud is a kind of fraud where the fraudster manages to issue new sim card from your mobile service provider on your behalf.

This enables the fraudster to use your mobile data, call and messages including your bank OTP required to make money transfers.

How to protect yourself:

Check with your operator if your number unusually stops working
Do not share your 20 digits SIM number mentioned on the back of your SIM with anyone
Do not display your mobile number on social media platforms
Register for instant bank alerts with your bank
Never respond to unknown emails or calls asking for your account details or mobile number
Never share your banking credentials or OTP to anyone or any scam websites
Do not install apps from unknown sources and use good antivirus

Keep Your Accounts in Check

Check your bank statements on a weekly basis (your online banking can help you do that easily).Look for suspicious activity and, if any, alert your credit union or bank, change all passwords related
to that account and make sure to activate every security measure available.Financial malware lurks just around the corner, but if you keep your accounts in check you can save
yourself from a big cyber security hassle.

Who’s that friend request from?

Lock it up – physically and digitally

Although we joke about our phones being glued to our hands, the fact is they’re not. When our phones (or
other devices) are not in our hands or within sight, there’s always the risk of unauthorized access.
That’s why it’s so important to: 1) always know where your phones, laptops, and/or tablets are physically
stored and 2) never leave them unlocked and unattended. If you haven’t already, set a password/passcode on
all of your devices (bonus points if you also set up fingerprint ID or similar). Don’t make it easy for
anyone to access your digital life.

How to protect yourself from phishing

Don’t take the bait

Phishing scams continue to pop up at alarming rates – and what’s worse is that they’re more and more
difficult to spot. Understand how to recognize a phishing attempt and keep yourself safe with these quick
tips:

Be cautious about all communications you receive or interact with (phone call, email, website, etc.).
If something feels off or seems too good to be true, do not respond. Delete it.
Do not click on any links listed in an email message, and do not open any attachments contained in a
suspicious email.
Do not enter personal information in a pop-up screen. Legitimate companies, agencies, and
organizations don’t ask for personal information via pop-up screens.

Newsletters

Quicknotes – What’s going on this month at Georgia’s Own

Ne[x]t Magazine

Coindexter Newsletter

Financial Wellness

ACHIEVE for Consumers
If you want to learn about finances, you’ve come to the right place. At Georgia’s Own, we’re here to help you make the right choices when it comes to your money—and we offer free, interactive videos to help you do just that.

ACHIEVE for Small Businesses
It’s your business, but it’s our job to help you make the right choices when you’re faced with important financial decisions. That’s why Georgia’s Own offers free, interactive videos to help you manage your small business more effectively.

Student Matters

Coindexter Club

Remember, it’s never too early to start good savings and spending habits. That’s why we’ve designed a program exclusively for our youngest Coindexter Club members.

Financial Aid Resources

For our members’ convenience, links are available in this website to allow quick access to other sites that may be of interest. Clicking on a link will take you out of Georgia’s Own Credit Union’s website to an alternative website not operated by Georgia’s Own. The Credit Union is not responsible for the content of the third party website and does not represent either the third party website or the member if you enter into a transaction. Privacy and security policies of the website to which you are linking may differ from those practiced by Georgia’s Own Credit Union.

Scholarships & Student Loans

https://studentaid.gov/ – free application for Federal Student Aid
www.wiredscholar.com – for information on scholarships, student loans, etc.
www.finaid.org – Great financial aid Web site
www.collegeboard.com – Contains SAT info and resources about finding the right college
www.chronicle.com – Chronicle of Higher Education’s Web site
https://www.scholarships.com/about-us/ – Scholarship search engine
www.fastweb.com – Gives you resources on how to find money for college and how to find your dream school
www.ed.gov – Department of Education’s Web site
www.collegesavings.org – Provides resources aimed at helping you plan for college expenses

Links

ATM/Service Centers Locations

Allpoint Network (55,000 Plus Surcharge-Free ATMs Worldwide)
Allpoint Mobile Applications Store
Visa® Plus Network
CU Service Centers
CO-OP Network (30,000 Plus Surcharge-Free ATMs)

Auto Services

Georgia’s Own Carfinder

What is a 401(k) plan?

What is a 401(k) plan?

Brand Resources

Access Our Brand Resources

Security Videos

NCUA Consumer Protection Update: Scams Targeting Seniors
NCUA Consumer Protection Update: Reporting Elder Financial Abuse or Exploitation

Georgia’s Own Credit Union External Link Disclaimer

For our members’ convenience, links are available in this website to allow quick access to other sites that may be of interest. Clicking on a third party link will take you out of Georgia’s Own Credit Union’s website to an alternative website not operated by Georgia’s Own. The Credit Union is not responsible for the content of the third party website and does not represent either the third party website or the member if you enter into a transaction. Privacy and security policies of the website to which you are linking may differ from those practiced by Georgia’s Own Credit Union.

Privacy Notice

Learn More

TurboTax and H&R Block Discounts

Learn More

Transparency in Coverage

This link leads to the machine readable files that are made available in response to the federal Transparency in Coverage Rule and includes negotiated service rates and out-of-network allowed amounts between health plans and healthcare providers. The machine-readable files are formatted to allow researchers, regulators, and application developers to more easily access and analyze data.
Transparency in Coverage

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Helpful Links and Resources

Welcome to Georgia’s Own Resource Center. Here you will find many useful links and information to help you make smart financial decisions.