Information about upcoming branch closures

We will be suspending service at our Duluth, Fort McPherson, Lee County, Thomasville, Tifton, and St. Marys locations, and converting our Engagement Center to self-service to better meet the needs of that location.

Our Duluth, Fort McPherson, Lee County, Thomasville, Tifton, and St. Marys locations will close on April 25, 2025. Our Engagement Center will close temporarily on April 25th and reopen in the summer of 2025 as a self-service location.

The way members bank with us has been changing for some time. Like nearly every facet of our lives, banking is becoming more digital, and our members aren’t utilizing physical branch offices like they have in the past. As a not-for-profit institution—owned by our members—our highest obligation lies in managing our operations as effectively and efficiently as possible. As our members’ needs change, we have a responsibility to adapt to their needs. We’ll continue to invest in technologies and make decisions based on the best interests of our members.

When making changes to our branch network, we work to be thoughtful and understand the impact on our members. This includes how those directly impacted will continue to do business with the Credit Union. We’ve developed resources and have staff available to help you during this transition. Even if you’re not near a branch, there are several convenient ways to manage your transactions—whether it’s by phone, online, or at a nearby ATM.

We don’t have any immediate plans for additional closures. We’ll continue to listen and be responsive to our membership and their service preferences.

Yes. Nothing has changed in terms of the safety and soundness of our members’ money—it’s our number one priority and always will be. Members’ deposits are federally insured up to $250,000 by the NCUA, an agency of the federal government. IRAs are insured separately up to $250,000. For additional information, visit the NCUA share insurance estimator.

Absolutely. We remain well-capitalized and here to help our members reach their financial goals.

Yes, we’ll still support our Partner in Education schools, hold volunteer events, offer scholarships and grants through our Foundation, and more. Even though we may not have a branch in every ZIP code, we remain committed to serving our members and our local communities.

Many factors go into deciding where to open new branches, including accessibility, infrastructure, and usage. Although we’re closing some locations, we continue to assess branch locations nearby that may be a better fit for our membership—whether they’re more accessible within the community or more centrally located to where our members live and work.

Your PIN is the four-digit number you use when you pay with your debit card. If you’ve forgotten it, you can send a secure message in online banking or our mobile app, or call Member Services at 800.533.2062.

To send a message in online banking:

1. Click “Log In” in the blue ribbon bar at the top of any page on our website.
2. Enter your username and password and click “Login.”
3. Hover over “Tools” in the grey ribbon bar.
4. Click “Message Center” then “Compose.”

To send a message in our mobile app:

1. Open the Georgia’s Own mobile app on your phone or tablet.
2. Tap “More” in the bottom menu bar.
3. Tap “Tools” then “Message Center.”
4. Tap “Compose.”

You can withdraw cash from your checking account at ATMs. You can also request cash back where you do your everyday shopping, like the grocery store.

Cash from ATMs
You can get cash from any ATM, including Georgia’s Own ATMs and 110,000+ surcharge-free ATMs nationwide.

To get cash:

1. Enter your 4-digit PIN (Personal Identification Number)
2. Pick Withdrawal from Checking

If you use a non-Georgia’s Own ATM or other out-of-network ATMs, you might be charged a fee. To find a Georgia’s Own ATM or a surcharge-free ATM, you can visit our locations page and check the boxes next to “Georgia’s Own ATMs” and “Surcharge-free ATMs” to see locations on the map.

Cash back from participating businesses
You can get cash back when you use your debit card at grocery stores, pharmacies (like CVS or Walgreens), or convenience stores.

To get cash:

1. Select Debit on the keypad
2. Enter your 4-digit PIN
3. Pick Yes for cash back
4. Enter the amount and hit OK

Limits might apply to the amount of cash you’re able to withdraw.

You can enroll in online banking in just a few simple steps:

1. Visit online.georgiasown.org/Registration
2. Under “I Want To” click “Register to my individual account.”
3. Follow the steps to register. Once you’ve finished, you can start using online banking.

Once you’ve registered for online banking, you can also start using our mobile app.

To use mobile banking:

1. Download our mobile app from your phone’s or tablet’s app store.
2. Tap “Register a New Account” and follow the steps to complete your enrollment.

You can view your account number in online banking and our mobile app.

To find your account number in online banking:

1. Click “Log In” in the blue ribbon bar at the top of any page on our website.
2. Enter your username and password and click “Login.”
3. Click the account you need under “Accounts” on the Dashboard page.
4. Under the account name, click the eye icon to display your account number. You can click the eye icon again to hide it.

To find your account number in mobile banking:

1. Open the Georgia’s Own mobile app on your phone or tablet.
2. Tap the account you need under “Snapshot” when you first open the app.
3. Tap “Show Details” in the top-right corner of your screen (next to the magnifying glass icon).
4. Your account number will be listed in the row below your account’s nickname.

You can check your account balance by logging into online banking, using our mobile app, or by calling TeleTalk.

Online banking

To check your account balance:

1. Click “Log In” in the blue ribbon bar at the top of any page on our website.
2. Enter your username and password and click “Login.”
3. Your checking account balance will show under “Accounts” > “Deposits.” You can click the account to view transactions.

Mobile app

To check your account balance:

1. Open the Georgia’s Own mobile app on your phone or tablet.
2. Your checking account balance will show under “Snapshot” when you first open the app. You can tap the account to view transactions.

TeleTalk

Refer to the “What’s TeleTalk and how do I use it?” question below for steps.

You can transfer money between your Georgia’s Own accounts or send money to your accounts at other financial institutions.

Internal transfers

Internal transfers let you move money between Georgia’s Own accounts, either your own or even another member’s. You can make transfers in online banking or our mobile app.

To make transfers in online banking:

1. Click “Log In” in the blue ribbon bar at the top of any page on our website.
2. Enter your username and password and click “Login.”
3. Hover over “Transfer & Pay” in the grey ribbon bar.
4. Click “Transfers” and follow the steps to pick your transfer type, accounts, how much you want to move, and when. You can also leave a description so you can remember why you made the transfer if you’re reviewing your account later.
5. If you’re sending money to another member, click “More Actions” then “Add Account.” Enter the recipient’s name and account information.

To make transfers in mobile banking:

1. Open the Georgia’s Own mobile app on your phone or tablet.
2. Tap “Transfers” in the menu bar at the bottom of the screen.
3. Tap “Make a Transfer” and follow the steps to pick your transfer type, accounts, how much you want to move, and when. You can also leave a description so you can remember why you made the transfer if you’re reviewing your account later.
4. If you’re sending money to another member, tap “Add Account.” Enter the recipient’s name and account information.

External transfers

External transfers let you move money from your Georgia’s Own account to your other checking or money market accounts at other financial institutions. You’ll need to be enrolled in bill pay to make external transfers.

To sign up for bill pay:

1. Click “Log In” in the blue ribbon bar at the top of any page on our website.
2. Enter your username and password and click “Login.”
3. Go to “Transfer & Pay.”
4. Click “Payments.”

If you’ve made a mistake, you can view, edit, and delete your scheduled transfers under “Scheduled.” To edit the transfer, click “Options” next to the transfer, then click “Edit Transfer” for one-time transfers or “Edit Series” for recurring transfers. You can edit the amount and memo. If you want to cancel the transfer, click “Options” then “Cancel Series.”

Remember to only send money to people you know and trust.

You can easily deposit checks from your phone through the Georgia’s Own mobile app. You can deposit any U.S. check that’s made payable to you.

To deposit a check:

1. Open the Georgia’s Own mobile app on your phone or tablet.
2. Tap “Deposit a Check” in the bottom menu bar.
3. Tap “Deposit Account” to pick which account to deposit the check.
4. Tap “Deposit Amount” to enter the amount of the check.
5. Tap “Front of Check” to take a picture of the front of your check. Tap “Back of Check” to take a picture of the back.
6. Tap “Submit Deposit.” Be sure to keep your check for 45 days and shred it after.

TeleTalk lets you access your accounts 24/7 from your phone. You can check your balance, move money, and more.

To use TeleTalk:

1. Call 800.533.3817 on your phone.
2. You’ll need a few things so we can verify that it’s you: your member number, your PIN, your ZIP code, and your Social Security number (if you’re a first-time user).

For first-time users:

1. Enter the last four digits of your Social Security number when the answering service requests your PIN (don’t worry, it’s just for verification).
2. Change your PIN when prompted.
3. To change your PIN again or activate TeleTalk, press 8 (More Choices) and select 3 to change your PIN or 5 to log in.
4. We’ll send you a verification agreement to sign and return. Once we have it, you can start using TeleTalk and other online banking services.