Offers

Offer valid August 1, 2026 through September 30, 2026. You will have the opportunity to earn a $275 bonus when you open a new Perks+ Checking account and complete the qualifying requirements for two consecutive monthly statement cycles beginning the first statement cycle following account opening. To qualify, you must complete the following requirements: 1) Open a new Perks+ Checking account with promotion code BONUS275 by September 30, 2026; 2) Enroll in online banking; 3) Complete fifteen (15) qualifying debit card purchases during each statement cycle. A qualifying debit card purchase is a purchase of $5.00 or greater and does not include ATM withdrawals; AND 4) Establish and receive qualifying direct deposit(s) totaling $1,500 or more per monthly statement cycle. Your qualifying direct deposit must be established within 30 days from account opening. Qualifying direct deposits are regular, periodic automated clearing house (ACH) credits, which may include payroll, salary, pension, or government payments (such as Social Security). Deposits that DO NOT QUALIFY include peer-to-peer networks such as PayPal, Zelle®, Venmo, or other peer-to-peer payment services. Transfers from another Georgia’s Own deposit accounts also do not qualify. Your account must remain open and in good standing from account opening through the duration of the promotional period. After you have completed all the above Perks+ Checking bonus qualifying requirements, we’ll deposit the bonus in your new account within 120 days of promotion enrollment. This offer cannot be used in combination with any other checking offer. Offer does not apply to business, employee, second, or multiple checking accounts with Georgia’s Own. Offer is not available to existing Georgia’s Own checking account holders or those whose accounts have been closed within 90 days or closed with a negative balance within the last three (3) years. Account terms are effective as of August 1, 2026. The Annual Percentage Yields (APY) for Georgia’s Own Perks+ Checking are: 0.01% APY for balances less than $1,500.00; 0.02% APY for balances $1,500.00–$2,499.99; 0.03% APY for balances of $2,500.00 or more. Rates are variable and subject to change at any time. Fees may reduce earnings. Bonuses are considered income for tax purposes and will be reported to the IRS as required by law. Accounts are subject to approval. Terms and conditions will apply. Perks+ Checking has a monthly service charge of $6.95.

A 40-year fixed-rate mortgage with a loan amount of $300,000 and 6.483% APR will have 480 monthly payments of approximately $1,729.72. The monthly payment estimate does not include amounts for taxes and insurance. The actual payment obligation will be greater. APR = Annual Percentage Rate and loans terms are examples and are used for illustrative purposes only. APR and loan terms can vary based several factors including creditworthiness, collateral, LTV (loan-to-value)/CLTV (combined-loan-to-value), etc. Your loan terms may differ and could be higher than the stated rate. Please ask your loan officer for additional information about how your rate is determined. Private Mortgage Insurance (PMI) may be required. Loans are subject to credit approval. Loans are limited to primary residences only, not available on investment properties or second homes. Additional terms, conditions, and limitations may apply.

Member must establish auto pay on their direct vehicle loan from a Georgia’s Own checking account to qualify for rate discount. Cannot be combined with any other offer. Offer valid through December 31, 2026. Employees are not eligible for auto pay rate discount.