Checking Accounts

Each checking account package comes with these benefits

FREE Identity Theft Protection
FREE Visa Debit Card with Rewards
FREE Online Banking with eBranch
FREE ePay, eStatements, & eAlerts
FREE Nationwide Account Access with Credit Union Service Centers (CUSC)



Return Guard
Credit Union of Georgia’s overdraft privilege program gives members an added level of protection against unanticipated cash flow emergencies and account reconciliation errors. As long as a member’s checking account is in good standing, Credit Union of Georgia will honor overdrafts up to the Return Guard limit on their account. New active checking account holders may be able to use the overdraft privilege assigned to their account 30 days after the account is opened.

Classic Checking
Classic Checking is great account for those members who enjoy writing checks. This account offers no monthly service charge, no minimum balance requirements, and unlimited checking writing. Members receive 6 ATM* transactions per month at non-Credit Union of Georgia ATMs with no fee. Return Guard limit of $750.

Direct Connect Checking
Direct Connect Checking is an interest-bearing account that allows members the ability to have unlimited access at non-Credit Union of Georgia ATMs. Member must simply maintain a $500 average daily balance in this account or $2,500 aggregate balance in all deposit accounts to avoid a $4 monthly service fee**. Members can write up to 3 checks per month*** with no fee. Dividends are compounded and paid monthly on the average daily balance. Return Guard limit of $1,000.

Campus Checking
Campus Checking is a basic checking account designed for members 14 - 24 with no monthly fee and no minimum balance requirements. Members can write up to 3 checks per month*** and receive 6 ATM* transactions per month at non-Credit Union of Georgia ATMs with no fee. Return Guard limit of $500.

Legacy 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, Travelers’ Cheques****, Notary Service, and much more. Return Guard limit of $1,000.



$10 required for all new members. $25 minimum opening deposit required for new checking accounts.
*Additional ATM Transactions: $1 per transaction.
**Over the Limit Check Fee: $1 per check.
Unlimited check writing if a $1,000 aggregate loan balance or $10,000 aggregate deposit balance is maintained.
***Monthly service charge is waived if $500 average daily balance is maintained or $2,500 aggregate balance in deposit accounts.
****Single Signature Travelers Cheques are free; Dual Signature Travelers Cheques are $1 per $100.

Checking Plus Extras
Available on all Checking Account Options for only $5.00 a month
Benefits Include:

$10,000 Accidental Death & Dismemberment Insurance
Members receive $10,000 of 24-hour Accidental Death & Dismemberment Insurance. Coverage is divided equally among joint account holders. The 24-hour Accidental Death benefit reduces by 50% at age 70.

Entertainment® SaversGuide®
The SaversGuide® Directory lists thousands of hotels and restaurants where members can obtain great discounts. The directory also contains discounts to movie theaters and coupons from top national merchants across the country. Members can also save with local merchants or hotels and merchants while at vacation destinations via a member only website.

Cash Back Member Rewards
Members earn 10% cash back on everyday purchases just by saving receipts and submitting them quarterly for cash back rewards. Members can submit receipts totaling up to $100 each quarter for cash back up to $10/quarter or $40/annually.

Prescription Drug Plan
Members can save up to 30% on average on brand name and generic prescription drugs. The Checking Plus Extras card is welcomed at approximately 40,000 pharmacies, including a wide variety of national retail chains, as well as independent pharmacies. This is not insurance.

Get Up & Go®
Members can take advantage of a complimentary Get Up & Go® certificate annually. Get Up & Go certificates offer a 3-day, 2-night getaway to one of 28 popular destinations within the U.S., including: Orlando, San Francisco, Honolulu, or St. Thomas, U.S. Virgin Islands.

Golf Access
Members can join more than 500,000 golfers who enjoy saving up to 50% at over 2,000 premier golf courses, resorts, and driving ranges worldwide. With Golf Access, members can tee off at favorite destinations for a fraction of the standard cost.

Family Trusted® Child ID
The Family Trusted Child ID safely secures a child’s photo and identifying information for instant use by law enforcement and the National Center for Missing & Exploited Children. Child ID even works when members are away from home, at work, or on vacation. Two child registrations are available at no cost. Additional child registrations are available for $2.50 each.

Funds for College
Checking Plus Extras can match aptitude and interests for Grant and Scholarship opportunities to identify potential sources of college funds for members. Members can receive a scholarship report for a special rate of $11.95. Satisfaction guaranteed.

Flowers, Gifts & Greenery
Members can save up to 15% off the regular price when they send flowers, gifts, gift baskets, and potted plants.

$500.00 Grocery Coupon Book
Members can cut their grocery bill by 20% to 50% by selecting coupons they want for the products they are already using. Members have the choice of ordering their coupons by mail, phone, fax, or over the Internet. Nominal processing fees are offset by complimentary coupons.

Paintless Dent Repair
Members can save up to 15% on Paintless Dent Repair services that permanently remove door dings, minor dents, and hail damage using specialized hand tools to manipulate and flex the metal back to its original form. Dent Zone’s certified technicians will provide Paintless Dent Repair services at convenient times and locations.

Chiropractic
Members can receive a free initial chiropractic consultation and discounts up to 50% on in-office x-rays and diagnostic services, and discounts up to 30% on treatments and related services. This is not an insurance plan.

NurseLine
Members can receive access to a 24-Hour NurseLineSM* that provides health care information from an experienced registered nurse with whom members can discuss any health and medical concerns. This is not an insurance plan.

For more details on Checking Plus Extras, please log-on to www.eClubOnline.net.