Perks+ Checking

Earn dividends on your balance and get great perks, from shopping discounts to identity theft protection.

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Our MVP—this checking account goes above and beyond

Benefits that pay for themselves

For only $6.95/month, get all the benefits of regular checking plus incredible money-saving extras powered by BaZing.

Get paid up to two days early1

When you receive direct deposits to your account, you’ll get paid as soon as your money is available—up to two days early.

Earn dividends on your balance

Kick back and relax—your money’s working for you. Your Perks+ balance grows hands-free with the best checking rate we offer.

BaZing powered savings and protection basically pays for itself

Local deals and national discounts

Whether you’re shopping locally or touring restaurants across the country, the BaZing Savings Network helps you save on shopping, dining, and more.

Health savings card

Get discounts and preferred pricing for prescriptions, eye care, and hearing services at participating providers.

Cell Phone Protection2, 3

When you use your Perks+ Checking account to pay your cell phone bill, you protect your cell phone against breaks and theft up to $400 per claim.

24/7 roadside assistance

Available 24/7 and free to use, up to $80 in service charges. Coverage includes lockouts, flat tires, battery service, collision assistance, and more.

Buyer’s Protection and Extended Warranty2, 3

This coverage will replace, repair, or reimburse you up to $2,500/occurrence and $50,000/year.

$10,000 Travel Accidental Death Insurance3

Peace of mind for the unexpected.

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Get protection from identity theft and fraud2, 3, 4

  • Identity monitoring helps protect your personal and financial information as soon as you activate the service.
  • Personal fraud specialists are ready to help you if you’re a victim of identity theft, or if your cards are lost or stolen.
  • You get reimbursed up to $5,000 for covered expenses to restore your identity.
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Choices are tough, so we made the rest easy.

No minimum balance. No direct deposit requirement. No fuss.

These benefits come with all of our checking accounts.

  • Access to 5,000+ shared branches5 and 110,000+ ATMs
  • Visa® debit 
  • Digital banking tools

Checking FAQs

All qualified Georgia’s Own members can open a Perks+ 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.

No. If you have a Perks+ Checking or All Access Checking account with direct deposit, Early Direct Deposit is now an included benefit. If you do not currently have direct deposit to your Perks+ Checking or All Access Checking account, you will need to complete steps as outlined by your HR department to enroll in their direct deposit service. You’ll be able to receive your paycheck quickly and conveniently.

Depending on your employer, it could take up to 90 days to be enrolled in Early Direct Deposit after you set up a direct deposit. However, in most cases, it begins much sooner. You must have a Perks+ Checking or All Access Checking to be eligible for Early Direct Deposit.

The direct deposit can include: salary, Social Security, pension, military, and VA payments. Other electronic ACH deposits to your account may also post early. Early Direct Deposit is only available on Perks+ Checking and All Access Checking accounts.

No. Early Direct Deposit is an automatic feature of Perks+ Checking and All Access Checking.

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


All Access Checking

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


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.


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.


Learning Center

Go beyond banking with resources and news to learn how to make informed financial decisions.

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1Early 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.

2Cell Phone Protection, Personal Identity Protection, and Buyer’s Protection and Extended Warranty are subject to additional terms and conditions.


4Identity monitoring requires activation for monitoring to begin.

5Shared branching is not available for Resolution Checking accounts.