Senior Checking

Legacy Checking is for members 50 years of age and older. With the freedom of having no minimum balance requirement, these members can enjoy receiving dividends, unlimited checking writing abilities, and receive 10 ATM* transactions per month at non-Credit Union of Georgia ATMs with no fee. Legacy Checking members also receive preferred rates on share certificates, free Pride of Membership checks, and a $10 discount on safe deposit box rentals. Legacy Checking members also receive free money orders, Notary Service, and much more. Return Guard limit of $750**.

Additional benefits:

Account Services:

$10 required for all new members in a Savings Account. $25 minimum opening deposit required for new Checking Accounts. Once you join, you are then eligible to take advantage of all the benefits of Credit Union of Georgia membership.
*Additional ATM Transactions: $1 per transaction.
** Credit Union of Georgia cannot authorize and pay overdrafts on ATM and everyday Debit Card transactions unless authorized to do so by the member.  If the member chooses not to opt-in for this free service, these transactions will be declined. Should an overdraft occur, your account will be charged the standard Overdraft fee of $33 for each check, ACH, Point-of-Sale, ATM withdrawal, in-person withdrawal, or other electronic item that is paid. This is the same fee that we charge for items drawn against insufficient funds and returned to the payee. If multiple items are presented against your account on the same day, each item will be assessed an appropriate Overdraft or Returned Item Fee of $33. Credit Union of Georgia has the discretion, but is not agreeing and does not have an obligation to pay your overdrafts and we may withdraw or reduce the amount of this Return Guard privilege at any time. An overdrawn balance must be repaid within 35 days or your Return Guard limit may be removed. Credit Union of Georgia will not pay an item above your Return Guard limit and may return items if you do not maintain your account in good standing by bringing your account to a positive balance within a 35 day period for a minimum of one business day, if you default on any loan or other obligation to the Credit Union or if your account is subject to any legal or administrative order or levy. Fees charged for covering overdrafts, as well as the amount of the overdraft item, will be subtracted from your Return Guard amount as items are paid. It may be possible that your account will become overdrawn in excess of the Return Guard amount as a result of the assessment of a fee. Balances at an ATM or other point of inquiry will not include your Return Guard limit; however, items may be paid in excess of the balance provided. Transactions may not be processed in the order in which they occurred and the order in which transactions are received and processed may impact the total amount of fees assessed.