All Access Checking

The vanilla ice cream of spending accounts. Easily manage your cash with no balance or deposit minimums.

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Everything you need in one simple checking account

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No minimum balance. No direct deposit requirement. No fuss. If you like to keep it simple, this one’s for you.

  • No monthly fee when you enroll in eStatements1
  • Get paid up to two days early with Early Direct Deposit2
  • Visa® debit card
  • Digital banking tools, including online and mobile banking and bill pay
  • Access to 5,000+ shared branches and 110,000+ ATMs

Track cash on the go

Meet the ultimate time-saver: the Georgia’s Own mobile banking app. Available for iOS and Android.

  • Deposit checks
  • Check balances
  • Make transfers
  • Send money to friends and family
  • Find branches and ATMs
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Yes, retail therapy counts.

Use your Georgia’s Own Credit Union debit card to pay bills, order groceries online, or splurge on that new pair of shoes—anywhere Visa debit cards are accepted.

  • Works with Apple Pay®, Samsung Wallet®, and Google Wallet™
  • Chip-enabled for enhanced security
  • Fight fraud with free text alerts3

Learn more

Checking account FAQs

All qualified Georgia’s Own members can open an All Access Checking account.

There are five ways you can qualify for membership:

  1. By residence or employment within certain counties in metro Atlanta, Southeast Georgia, Southwest Georgia, Augusta, and Savannah
  2. Getting Ahead Association membership
  3. Past or present Georgia State University enrollment or employment
  4. Relation by blood, adoption, or marriage to a current Georgia’s Own Credit Union member
  5. Premier Partner employee or retiree.

Visit our membership page to see if you qualify.

Yes, you can apply for a checking account online. If you’re not a member of Georgia’s Own Credit Union, you will be able to apply for membership at the same time that you apply to open an account.

During the application process you will need:

  • Your Social Security Number
  • A valid U. S. driver’s license or other approved, government-issued I.D.
  • Physical address information (P.O. Boxes can be used for mailing purposes, but a physical address is required for the online application)

Learn more about opening a checking account online.

There are more than 5,600 credit unions nationwide that belong to the Co-op Shared Branch network, with even more located outside the country.

Georgia’s Own Credit Union participates in the Co-op Shared Branch network, allowing our members to perform transactions at another national and international credit union branch.

Members can find a shared branch through our branch locator page, the Georgia’s Own mobile banking app, or the Co-op Credit Unions Locator website. Resolution accounts are not eligible for shared branching.

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.

Our Resolution Checking account is designed to help re-establish financial stability for members who have had previous credit problems and are not eligible for other checking accounts. Explore Resolution Checking Account for more details.

Check out our other accounts


Perks+ Checking

Feeling extra? Treat yourself to early paydays, shopping and dining discounts, and more.


i[check] Youth Checking

Our i[check] account offers checking and special benefits for members ages 14-25, who are starting out on their journey toward financial independence.


Resolution Checking

Get a clean slate (and get smart about your money) with this special account, offering a fresh start to members who need a financial reset.

Learning Center

Go beyond banking with resources and news to help you make informed financial decisions.

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How to build your credit score


1Enroll in eStatements and avoid the $2 per month paper fee.

2Early 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.

3Message and data rates may apply.