Georgia’s Own Credit Union Bonuses: $200 Checking Promotion (GA)

Take advantage of our updates on Georgia’s Own Credit Union bonuses, promotions, and offers here!

Update 8/14/25: There’s currently a $200 bonus when you open a new checking account and follow the requirements good through 10/31/25.

Georgia’s Own Credit Union Bonuses Review

Georgia’s Own Credit Union was established in 1940 and is a non-profit financial institution that’s owned by the members. They have lots of financial products and services to offer their members with better rates and lower fees. Additionally, there are also some account perks that you’ll be able to benefit from as well.

I’ll go over all Georgia’s Own Credit Union offers below.

Georgia’s Own Credit Union $200 Checking Bonus

You can receive a $200 bonus when you open a new checking account and meet requirements

• What you’ll get: $200 Bonus
• Eligible account: Checking
• Where it’s available: GA (Bank Locator)
• Credit Inquiry: Unknown
• Direct Deposit Required:
• Monthly Fee: None with eStatements
• How to earn it:
  • Open a new All Access Checking account online and use promo code WELCOME on the account funding page (The promo code is required to activate your bonus!)
  • Register for online banking
  • Make 10 debit card transactions per statement cycle for the first two statement cycles
  • Have $2,500 in qualifying direct deposits per statement cycle
  • The bonus will be paid within 90 days after account opening

(Expires 09/30/2023)

Fine Print

• Offer only valid August 1, 2025 through October 31, 2025.
• Georgia’s Own will give you $200 when you open up a new All Access Checking account.
• The bonus will be paid within 90 days after account opening and is subject to the following requirements: the member must establish direct deposits totaling at least $2,500 per statement cycle; the member must register for online banking; the account must be open and in good standing at the time the bonus is paid, and the member must complete 10 debit card transactions within each of the two statement cycles after account opening.
• Membership is required.
• Accounts are subject to approval.
• Terms and conditions will apply.
• All Access Checking: all balances earn 0.01% APY. Annual Percentage Yield (APY) is current as of August 1, 2025 and subject to change after account opening, fees can reduce earnings.
• Cannot be combined with any other offer.
• Georgia’s Own may change or discontinue this offer at any time before this date without notice.
• Offer does not apply to business, employee, second, or multiple checking accounts with Georgia’s Own.
• Offer not available to existing Georgia’s Own checking account holders, or those whose accounts have been closed within 90 days or closed with a negative balance within the last 3 years.
• You can receive only one new checking account opening related bonus every two years from the last enrollment date.

Georgia’s Own Credit Union $100 Referral Bonus (Expired)

Georgi’s Own Credit Union is offering a $100 bonus for every member you refer to open a checking account and meet the eligible requirements.

• What you’ll get: $100 Bonus
• Eligible Account: Perks+ Checking Account, All Access Checking Account
• Where it’s available: GA
• Credit Inquiry: Unknown
• Direct Deposit Required: No
• Monthly Fee: $0-$5.95
• How to earn it:
  • Use the form at the offer link to sign up for the referral program.
  • For each person you refer who refinances a student loan, you will earn $100.
  • The person you refer will also earn $100.

(Offer expires August 31, 2021)

Fine Print

• Eligibility Requirements
  • General eligibility requirements for Referring Members and Referred Friends:
    • U.S. citizen or permanent resident
    • Existing Credit Union member with an account in good standing including not having any outstanding delinquent loans with the Credit Union at the time the offer is funded
    • At least the age of majority in the state of residence
    • Is not ineligible to receive such incentives due to other legal reasons
    • Current employees of the Credit Union and their parents, children, siblings, spouses or domestic partners are also not eligible for the incentive.
  • Eligibility requirements for the Referring Member:
    • May not be a co-borrower or cosigner on the new Private Education Financing opened by the Referred Friend
  • Eligibility requirements for any Referred Friend:
    • Is applying for and receives funding of new Private Education Financing
    • Uses the referral link from the Referring Member
    • Is a different person than the Referring Member. i.e Referring Member cannot refer themselves
• Offer Details:
  • Incentive Amount will be deposited by the Credit Union into the Credit Union deposit accounts of the Referring Member and the Referred Friend within 120 days of the loan disbursement to college or funding to the servicer of an existing student loan for refinancing, provided the loan is not cancelled, refunded, or withdrawn during the Campaign Period.
  • Referred Friends may earn a maximum of one Incentive on their first eligible Private Education Financing from the Credit Union regardless of the loan type (LOC, PEL, REFI)
  • After the Referred Friend’s loan funds, Referred Friends may become a Referring Member and earn Referring Member Incentives
  • Incentives will be capped at $5,000 for Referring Members and $100 for Referred Friends
  • It is the responsibility of the Referring Member and/or Referred Friend to notify the Credit Union if the Incentive is not received as expected
  • The Incentive(s) may be considered taxable income and may be reported on IRS Form 1099-MISC by the Credit Union. Please consult a tax professional for advice
  • Participation in the program is not considered an employment relationship
  • Payments are made directly to deposit accounts of the Referred Member and the Referred Friend at the Credit Union. If such account no longer exists at the time of the payment, the Incentive may be forfeit
  • Lending and/or underwriting decision

Georgia’s Own Credit Union $400 Checking Bonus (Expired)

You can receive a $400 bonus when you open a new Perks+ checking account and meet requirements

• What you’ll get: $400 Bonus
• Eligible account: Checking
• Where it’s available: GA (Bank Locator)
• Credit Inquiry: Unknown
• Direct Deposit Required:
• Monthly Fee: $0-$5.95
• How to earn it:
  • Georgia’s Own will give you $400 when you open up a new Perks+ Checking account or $200 when you open up a new All Access Account or i[check] account.
  • The bonus will be paid within 90 days after account opening and is subject to the following requirements:
    • the member must establish a monthly direct deposit of at least $2,500 per statement cycle;
    • the member must register for online banking;
    • the account must be open and in good standing at the time the bonus is paid,
    • and the member must complete 6 debit card transactions within each of the two statement cycles after account opening.

(Expires 09/30/2023)

Fine Print

• Offer only valid August 1, 2023 through September 30, 2023.
• Georgia’s Own will give you $400 when you open up a new Perks+ Checking account.
• The bonus will be paid within 120 days after account opening and is subject to the following requirements: the member must establish a qualifying direct deposit of at least $2,500 per statement cycle; the member must register for online banking; the account must be open and in good standing at the time the bonus is paid, and the member must complete six (6) debit card transactions within each of the two statement cycles after account opening.
• Qualifying direct deposits are defined as a recurring Automated Clearing House (ACH)/electronic deposit(s) of payroll from your employer, pension or government benefits such as Social Security.
• Membership is required.
• Accounts are subject to approval.
• Terms and conditions will apply.
• Perks+ Checking has a monthly fee of $6.95.
• Annual Percentage Yields (APY) are current as of August 1, 2023 and subject to change after account opening.
• Fees can reduce earnings.
• Perks+ Checking: balances less than $1,500.00 earn 0.01% APY, $1,500.00-$2,499.99 earn 0.02% APY, balances of $2,500.00 and above earn 0.03% APY.
• Cannot be combined with any other offer.
• Georgia’s Own may change or discontinue this offer at any time before this date without notice.
• Offer does not apply to business, employee, second, or multiple checking accounts with Georgia’s Own.
• Offer not available to existing Georgia’s Own checking account holders, or those whose accounts have been closed within 90 days or closed with a negative balance within the last 3 years.
• You can receive only one new checking account opening related bonus every two years from the last enrollment date.

How To Waive Monthly Fees

• Perks+ Checking: $5.95 per month
• All Access Checking: No Fee With eStatements: Enroll in eStatements and avoid the $2 per month paper fee.
• Youth Checking: No monthly fee
• Resolution Checking: Not listed
• Primary Business Checking: Monthly service fee of $12. You can avoid this fee by doing one of these things each statement cycle:
  • Maintain a minimum daily collected balance of $1,000 or more
  • Maintain an average monthly balance of $3,000
  • Maintain a combined average monthly collected balance of $10,000 in Checking, Savings, Money Market, or CDs
• Preferred Business Checking: Monthly service fee of $20. You can avoid this fee by doing one of these things each statement cycle:
  • Maintain a minimum daily collected balance of $2,500 or more
  • Maintain an average monthly balance of $5,000
  • Maintain a combined average monthly collected balance of $20,000 in Checking, Savings, Money Market, or CD’s
• Not-for-Profit Business Checking: Monthly service fee of $3. You can avoid this fee by doing one of these things each statement cycle:
  • Maintain a minimum daily collected balance of $500 or more
  • Maintain an average monthly balance of $1,500
  • Maintain a combined average monthly collected balance of $5,000 in Checking, Savings, Money Market, or CDs

Conclusion

Overall, when you open a new account with Georgia’s Own Credit Union, you’ll be able to take advantage of their current bonus offer. It comes with a good APY Rate and lots of appealing account features. However, if you don’t reside in Georgia, then you should check out other bonus offers better suited for you.

If you are looking for a nice savings account, take a look at our list of rates for Savings, Money Market, and CD accounts here.

• Best Savings/Money Market rates
• Best CD Account rates

If you’re not local to the area, use our bank bonuses page to find other offers. Some popular bank offers include Chase Bank, Discover Bank, TD Bank, Huntington Bank, HSBC Bank, and many more.

Feel free to comment on this post with any questions you may have about Georgia’s Own Credit Union, their accounts they offer, or coupon codes.

Check back often for more Georgia’s Own Credit Union Bonuses, Promotions, or Offers!