i[check] Youth Checking

Ditch the piggy bank—i[check]1 gives younger members what they need to manage money like a boss.

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Get adulting before adulting gets you

We’re here to make adulting a little bit easier and a lot less scary. With no minimum balance and no direct deposit requirement, our i[check] account gets teens and young adults (ages 14-25) started down the road toward financial independence.


Say goodbye to the bank of mom and dad

Our i[check] account offers a path to financial independence, with no account fees or minimums and no hassle.

  • No monthly fee if enrolled in eStatements ($2 fee for mailed statements)
  • No minimum balance requirement
  • 24/7 account access, mobile banking, and remote check deposit makes for fewer trips out of the way

The freeway between funds and fun

Our debit card makes it easy to pay or get the cash you need.

  • Works with Apple Pay®, Samsung Pay®, and Google Pay™, so you can tap your way through life
  • Visa’s Zero Liability2 policy helps ensure you only pay for what you buy
  • Added security—your card is chip enabled and contactless, making purchases safer
  • Text alerts keep you one step ahead of unauthorized use3
  • Access to 110,000+ surcharge-free ATMs

Members 15 and over can apply for a debit card.

Checking Account 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.

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.

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.

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.

Outside-of-the-box checking


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.


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 learn how to make informed financial decisions.

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1If under 18, an adult is required to open the account and be a joint owner.

2Covers 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.

3Georgia’s Own does not charge for this service, but please refer to your cell phone plan carrier for any text plan charges.