Georgia’s Own Credit Union Bonuses: $275 Checking Promotion (GA)

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

Update 8/6/26: There’s currently a $275 bonus (up from $200) when you open a new checking account and follow the requirements good through 9/30/26.

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 $275 Checking Bonus

You can receive a $275 bonus when you open a new checking account and meet requirements

• What you’ll get: $275 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:
  • To qualify, you must complete the following requirements:
    • 1) Open a new Perks+ Checking account with promotion code BONUS275 by September 30, 2026;
    • 2) Enroll in online banking;
    • 3) Complete fifteen (15) qualifying debit card purchases during each statement cycle.
    • 4) Establish and receive qualifying direct deposit(s) totaling $1,500 or more per monthly statement cycle.
  • After you have completed all the above Perks+ Checking bonus qualifying requirements, we’ll deposit the bonus in your new account within 120 days of promotion enrollment.

(Expires 09/30/2026)

Fine Print

• Offer valid August 1, 2026 through September 30, 2026.
• You will have the opportunity to earn a $275 bonus when you open a new Perks+ Checking account and complete the qualifying requirements for two consecutive monthly statement cycles beginning the first statement cycle following account opening.
• To qualify, you must complete the following requirements: 1) Open a new Perks+ Checking account with promotion code BONUS275 by September 30, 2026; 2) Enroll in online banking; 3) Complete fifteen (15) qualifying debit card purchases during each statement cycle.
• A qualifying debit card purchase is a purchase of $5.00 or greater and does not include ATM withdrawals; AND 4) Establish and receive qualifying direct deposit(s) totaling $1,500 or more per monthly statement cycle.
• Your qualifying direct deposit must be established within 30 days from account opening.
• Qualifying direct deposits are regular, periodic automated clearing house (ACH) credits, which may include payroll, salary, pension, or government payments (such as Social Security).
• Deposits that DO NOT QUALIFY include peer-to-peer networks such as PayPal, Zelle®, Venmo, or other peer-to-peer payment services.
• Transfers from another Georgia’s Own deposit accounts also do not qualify.
• Your account must remain open and in good standing from account opening through the duration of the promotional period.
• After you have completed all the above Perks+ Checking bonus qualifying requirements, we’ll deposit the bonus in your new account within 120 days of promotion enrollment.
• This offer cannot be used in combination with any other checking offer.
• Offer does not apply to business, employee, second, or multiple checking accounts with Georgia’s Own.
• Offer is 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 three (3) years.
• Account terms are effective as of August 1, 2026.
• The Annual Percentage Yields (APY) for Georgia’s Own Perks+ Checking are: 0.01% APY for balances less than $1,500.00; 0.02% APY for balances $1,500.00–$2,499.99; 0.03% APY for balances of $2,500.00 or more.
• Rates are variable and subject to change at any time.
• Fees may reduce earnings.
• Bonuses are considered income for tax purposes and will be reported to the IRS as required by law.
• Accounts are subject to approval.
• Terms and conditions will apply.
• Perks+ Checking has a monthly service charge of $6.95.

Georgia’s Own Credit Union $750 Checking Bonus (Expired)

• What you’ll get: $750 Bonus
• Eligible account: Checking & Savings
• Where it’s available: GA (Bank Locator)
• Credit Inquiry: Unknown
• Direct Deposit Required: Yes
• Monthly Fee: No monthly fee (with eStatements)
• How to earn it:
  • Open a new All Access Checking and Primary Savings accounts. New members can cash in—up to $750—on the combo by opening accounts with promo code WELCOMEFALL by December 31, 2025 and completing the qualifying activities below.
  • Get a $300 new account bonus when you:
    • Open a new All Access Checking account online and use promo code WELCOMEFALL 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 consecutive statement cycles
    • Have $2,500 in qualifying direct deposits per statement cycle
  • Get a $200 new account bonus when you:
    • Open a new Primary Savings account online and use promo code WELCOMEFALL on the account funding page (the promo code is required to activate your bonus!)
    • Deposit a total of $15,000 or more in new money within 30 days of account opening
    • Maintain a minimum balance of $15,000 for 90 days from account opening
  • Get a $750 (an extra $250!) new account bonus when you:
    • Open a new All Access Checking AND Primary Savings account online and use promo code WELCOMEFALL on the account funding page (the promo code is required to activate your bonus!)
    • Complete the qualifying activities listed above

(Expires 12/31/2025)

Fine Print

• Offer valid November 1, 2025 through December 31, 2025.
• Offer is comprised of three (3) separate bonus opportunities worth up to $750: $300 All Access Checking Bonus, $200 Primary Savings Bonus, and $250 Extra Bonus.
• All Access Checking Bonus offer is not available to existing Georgia’s Own Credit Union checking members.
• Primary Savings bonus offer is not available to existing Georgia’s Own Credit Union savings members. The Extra Bonus offer is not available to members whose accounts have been closed within 90 days or closed with a negative balance within the last three (3) years.
• Business and employee accounts are excluded. You can receive only one (1) new checking and one (1) new savings account opening related bonus every two (2) years from the last promotion enrollment date and only one (1) bonus per account. WELCOMEFALL promotion code is good for one-time use. This offer may be withdrawn without notice. To receive the $300 All Access Checking Bonus: 1) Open a new All Access Checking account, which is subject to approval; 2) enroll in online banking; 3) complete 10 debit card transactions within each of two (2) statement cycles after account opening; AND 4) have a direct deposit of at least $2,500 for two (2) consecutive statement cycles made into the new checking account. Your direct deposit needs to be an electronic deposit of your paycheck, pension, or government benefits (such as Social Security) from your employer or the government. Person-to-Person payments are not considered a direct deposit. After you have completed all the above All Access Checking Bonus requirements, we’ll deposit the bonus in your new account within 120 days of promotion enrollment.
• To receive the $200 Primary Savings Bonus: 1) Open a new Georgia’s Own Primary Savings account, which is subject to approval; 2) deposit a total of $15,000 or more in new money into the new savings account within 30 days of promotion enrollment. The new money cannot be funds held by you at Georgia’s Own Credit Union; AND 3) Maintain at least a $15,000 balance in the new savings account for 90 days. After you have completed all the above Primary Savings Bonus requirements, we’ll deposit the bonus in your new account within 120 days of promotion enrollment.
• To receive the $250 Extra Bonus: You must open the checking and savings account at the same time and complete all requirements above for BOTH the All Access Checking Bonus and Primary Savings Bonus.
• After you have completed the All Access Checking and Primary Savings Bonus requirements, we will deposit the remaining bonus due in your new account within 150 days of promotion enrollment.
• To receive any of the above bonuses, the enrolled account(s) must be open and in good standing at the time of bonus payout.
• Eligibility may be limited based on account ownership.
• Account terms are effective as of November 1, 2025. The Annual Percentage Yield (APY) for Georgia’s Own All Access Checking is 0.01% APY for all balances.
• Rates are variable and subject to change at any time.
• Fees may reduce earnings.
• The minimum opening balance for Georgia’s Own Primary Savings is $5.00.
• APYs by tier: $5.01 to $49,999.99 – 0.10% APY, $50,000 to $99,999.99 – 0.15% APY, $100,000 or greater – 0.20% APY.
• Rates are subject to change at any time.
• Fees may reduce earnings.
• Bonuses are considered income for tax purposes and will be reported to the IRS as required by law.

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

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!