An overdraft occurs when you do not have enough money in your account to cover a transaction, but we pay it anyway. Georgia United can cover your overdrafts in two different ways:

1. Overdraft protection plans, that link to your other accounts, which may be less expensive than our standard overdraft practices.

2. Courtesy Pay is a standard overdraft practice that automatically comes with your Unified Checking Account.

Your available balance is used to determine whether you have enough money in your account for purposes of assessing overdraft fees. It’s important to know your available balance can differ from your actual balance.




With rates as low as 1.99% APR* for a 2018 or newer vehicle, financing with Georgia United can save you money. In addition to great rates, we offer an easy online application, quick approval times and flexible terms. You will also want to take advantage of one of our loan protection plans to help safeguard your new ride and wallet from the unexpected.






Refer a friend to Georgia United and you could both earn up to $75**. Once your friend registers using your referral link and opens a new Georgia United membership with a Unified Checking Account and/or an auto loan and meets the program requirements, you'll both earn Visa® Rewards Cards. The more friends you refer, the more you can earn!





Save the date for a live, online "Q&A Discussion With Car Buying Experts" to discuss the car buying process on Tuesday, November 2, at 12 pm ET. Learn what to expect at each step along the way — from finding your dream car, getting pre-approved, to driving home. Don't miss out! Stay tuned for registration details coming soon. 




It's important for young people to understand personal finance before they are faced with life-changing decisions. ADOLESCENT$ is our newest financial resource that is designed specifically for teens. From a laptop or smartphone, teens can access relatable articles and videos that will empower them to make money-smart choices now and in the future.





Adding a room, renovating a basement or doing some much needed repairs around your home can be a big undertaking. Finding a trustworthy contractor is an important first step. Scammers will promise to do the work but leave you and your home worse off than when you started. So how do you tell the difference between a trustworthy contractor and a scammer? 






Georgia United is dedicated to supporting impactful programs that enrich the lives of others and strengthen our communities. In addition to our corporate initiatives, team members are provided paid Service Days to volunteer at charities that are important to them. Here are a few highlights of how we are serving our community.


Can Hunger


Help make the holidays special for children in foster care by supporting the Georgia United Foundation® Wish Tree program. You can participate in the holiday gift drive from November 3 - December 8, by selecting a wish at a branch, purchasing an item from our Amazon gift list or making a monetary donation to the Wish Tree fund. We are grateful for your kindness!




Team members were excited to volunteer at Junior Achievement® Discovery Center in Gwinnett. The center opened for the first time in August since closing in March 2020 due to the pandemic. Our team members helped eighth grade students create a budget as they navigated real life financial scenarios in a safe and interactive environment. 




Our team members recently served the Dublin community by visiting with 30 residents living at an affordable housing community. The residents rarely have an opportunity to go out, so our team members brought the party to them. Lunch and day of good fellowship was had by all. 



Our Dalton branch team members made a difference by donating hygiene bags to Jonathan’s House Ministries. The bags contained shampoo, deodorant, a hairbrush, toiletries, a budgeting book and meal planner. The charity helps young adults who have aged out of foster care transition to independent adult living. 



When shopping online this holiday, don't forget that the Georgia United Foundation® is now part of the AmazonSmile program. By choosing Georgia United Foundation as your preferred charity and shopping through the link, AmazonSmile will automatically donate 0.5% of each eligible purchase to the foundation. It's an easy and secure way to help your community, without any cost to you. 



Columbus Day
Monday, October 11, 2021

Don't forget you can bank from the comfort of your home with Online Banking or deposit a check*** using Georgia United's Mobile App even when our branches are closed. Visit our website for a full list of holiday closings. 


*APR = Annual Percentage Rate with rates as low as listed rate. Rates and terms are based on year of collateral, loan amount and mileage. Rates subject to change without notice and are based on creditworthiness.

**Please allow 4-6 weeks for delivery of your Reward Card after completing all offer requirements. Referral rewards are paid in the form of a Visa Reward Card. Terms and Conditions apply. Georgia United reserves the right to amend, suspend, or terminate the Refer-A-Friend program at any time without notice. To open a Unified Checking Account or Auto Loan and qualify for this offer, the Referred Person must qualify for and establish a new membership. Membership eligibility restrictions and qualifications apply; all loans are subject to credit approval. Not all applicants will qualify. Members must be in good standing with a $5 minimum share balance with no charged off accounts with us. Annual percentage yield (APY) for Unified Checking is 1.00% if qualifying transaction requirements are met; otherwise, APY is 0.05%. APY is accurate as of the last dividend declaration date. Rate may change after account is opened. Fees may reduce earnings. Team members, board members and family members residing in the same household are ineligible for the rewards but can refer new members through the program. Offer pertains only to U.S. residents.

***Items transmitted using this service are not subject to the funds availability requirements of the Federal Reserve Board Regulation CC. Deposits accepted using this service will be available within two business days. Georgia United may make such funds available sooner.