Offers

Offer valid October 1, 2026 through November 30, 2026. To earn the $300 bonus, you must open a new Perks+ Checking account with promotion code Bonus300 by November 30, 2026 and complete all qualifying requirements for two (2) consecutive monthly statement cycles. The first eligible statement cycle begins after the statement cycle in which you open the account. The account-opening month does not count. To qualify, you must complete the following requirements: 1) Open a new Perks+ Checking account using promotion code Bonus300 by November 30, 2026; 2) Enroll in online banking; 3) Complete ten (10) qualifying debit card purchases of $5.00 or more during each eligible statement cycle using your new Georgia’s Own debit card. ATM withdrawals do not count as qualifying debit card purchases; AND 4) Receive qualifying direct deposit(s) totaling at least $2,000 during each eligible monthly statement cycle. Your qualifying direct deposit must be set up within 30 days after account opening. Qualifying direct deposits are regular, recurring Automated Clearing House (ACH) credits, such as payroll, salary, pension, or government benefit payments, including Social Security. The following deposits DO NOT QUALIFY: payments from peer-to-peer services such as PayPal, Zelle®, Venmo, or similar services, and transfers from another Georgia’s Own deposit account. Your account must remain open and in good standing from account opening through the end of the promotion. After you meet all Perks+ Checking bonus qualifying requirements, we will deposit the bonus into your new account within 120 days after promotion enrollment. This offer cannot be combined 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 to anyone whose Georgia’s Own checking account was closed within the past 90 days or closed with a negative balance within the last three (3) years. You can receive only one new checking account opening related bonus every two (2) years from the last enrollment date. Account terms are effective October 1, 2026. The Annual Percentage Yields (APY) for Georgia’s Own Perks+ Checking are: 0.01% APY for balances below $1,500.00; 0.02% APY for balances from $1,500.00 to $2,499.99; and 0.03% APY for balances of $2,500.00 or more. Rates are variable and may 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 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 for their direct vehicle loan from a Georgia’s Own checking account to qualify for the rate discount. Offer valid through December 31, 2026.