Georgia’s Own Credit Union has 24 branches in Georgia. They also have over 4,000 shared branches and more than 65,000 surcharge-free ATMs nationwide through their CO-OP network. They offer business savings and checking accounts, loans, and cash management. They have an A- BBB rating and a mix of positive and negative reviews online.
To be eligible to become a member of Georgia’s Own Credit Union, you must be a resident or be employed in one of these counties; be a member of the Georgia’s Own Foundation; be a family member of a current Georgia’s Own Credit Union member; or meet any of these other requirements.
Georgia’s Own Credit Union Business Checking Rates & Fees
|Monthly Fee||$12 per month, waived if balance requirement is met|
|Minimum Balance Requirement||$1,000 minimum daily collected balance|
$3,000 average monthly collected balance
$10,000 combined average monthly collected balance in checking, savings, money market, or CD
|Transaction Fee||250 free items per month, $0.30 per item thereafter|
|Wire Transfer Fee||Domestic (incoming): $12|
Domestic (outgoing): $20
International (incoming / outgoing): $50
|Cash Deposit Fee||Up to $5,000 free cash deposit per month, $1 per $1,000 thereafter|
|Overdraft Fee||$33 per item|
|ATM Fee||Non-network ATM transactions:|
$2 per withdrawal
$1 per balance inquiry
$1 per account transfer
Georgia’s Own Credit Union Network
Georgia’s Own Credit Union operates 24 branch locations and offers over 65,000 surcharge-free ATMs to its customers. They are also part of the CU Service Center Network, which enables their members to conduct their credit union transactions at more than 4,000 locations throughout the country. You can use their branch locator to see which locations are closest to you.
Georgia’s Own Credit Union Additional Business Banking Services
Georgia’s Own Credit Union also offers the following business services: business savings and money market accounts, business loans, commercial real estate financing, and credit cards. They currently do not offer SBA loans, business lines of credit, and wealth management. Find out more about their small business offerings on their website.
|Online & Mobile Banking||✓|
|Money Market Accounts||✓|
|Business Credit Cards||✓|
|Commercial Real Estate Loans||✓|
|Business Line of Credit||x|
Best Small Business Business Checking Account
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