Rates
The Dividend Rates and Annual Percentage Yields (APY) apply to the following account types: Primary Savings, Holiday Savings, Resolution Savings, Student Access Savings, i[save], Coindexter Club Savings, and Vacation Savings.
Savings
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Checking Accounts
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Service Fees
| Account Fees | Amount | |
|---|---|---|
| Perks+ Monthly Service Charge | $6.95 per month | |
| Check Printing Charge | Prices vary depending upon style | How can I avoid this fee? Instead of using checks, take advantage of our electronic services such as Bill Pay, Account-to-Account Transfers and Person-to-Person Payments. |
| Resolution Checking Monthly Service Charge | $10.00 per month | |
| Resolution Checking-Check Clearing | $0.50 per check | |
| Bank on Checking Monthly Service Charge | $5.00 per month | |
| Overdraft Transfer Fee | $6.00 per transfer | How can I avoid this fee? Georgia's Own offers online banking that allows you to monitor your account balances 24/7. You can also sign up for daily balance alerts and high/low balance alerts. You can also apply for an Overdraft Line of Credit which will transfer funds in increments of $100, for free, to cover your transactions. |
| Premium Overdraft (OD) Fee | $35.00 per presentment | How can I avoid this fee? Georgia's Own offers online banking that allows you to monitor your account balances 24/7. You can also sign up for daily balance alerts and high/low balance alerts. You can link an existing Georgia's Own account to your checking account in order to reduce the fee amount. Lastly, you can apply for an Overdraft Line of Credit which will transfer funds in increments of $100, for free, to cover your transactions. |
| Nonsufficient Funds (NSF) Fee | $35.00 per presentment | How can I avoid this fee? Georgia's Own offers online banking that allows you to monitor your account balances 24/7. You can also sign up for daily balance alerts and high/low balance alerts. You can link an existing Georgia's Own account to your checking account in order to reduce the fee amount. Lastly, you can apply for an Overdraft Line of Credit which will transfer funds in increments of $100, for free, to cover your transactions. |
| Stop Payment Fee | $30.00 per request | |
| Returned Deposit/Payment Item Fee of Member's Check | $30.00 per check | |
| ATM/Debit Card Replacement Fee | $5.00 per card | |
| Debit Card Rush Fee | $60.00 per card | |
| Out of Network ATM Fees: - Balance Inquiries - Account Transfers - Withdrawals |
$3.00 per transaction | How can I avoid these fees? As a Georgia's Own member you have access to over 110,000 surcharge-FREE ATMs across the country, more than the largest banks offer! Download our mobile banking app or visit our locations page to find the nearest surcharge-FREE ATM. |
| ATM/Debit Card International Transaction Fee | 2% of the amount of the transaction calculated in U.S. dollars | |
| Cashier's Check: Member Fee | $10.00 per check | |
| Cashier's Check: Non-Member Fee | $20.00 per check | |
| Counter Checks | 3 checks for $5.00* | |
| Non Member Georgia's Own Check Cashing Fee | $5.00 per check | |
| Check Payment by Phone | $8.00 per check | |
| Money Market Monthly Service Charge | $10.00 per month if the minimum daily balance drops below $2,500 | How can I avoid these fees? Make sure your Money Market Account stays at or above $2,500. You can sign up for daily balance alerts inside online banking to ensure your balance stays above the threshold. |
| Excess Withdrawal Fee Savings, Holiday, Golden Bell, i[save], Resolution Savings, Coindexter Club Savings and Non-Dividend/Interest Bearing Savings Accounts | $5.00 per item if more than six (6) withdrawals/transfers per month | How can I avoid these fees? Use your Checking Account for all your regular and ongoing transactions. Ensure you're depositing enough into your Checking Account to cover your basic expenses for the month. Make less frequent but larger withdrawals from your savings account. |
| Wire Transfer - Domestic Incoming | $15.00 per wire | How can I avoid these fees? We offer other options to move your money including Member-To-Member Transfer, Person-To-Person Transfer and Account-To-Account Transfer. |
| Wire Transfer - Domestic Outgoing | $25.00 per wire | How can I avoid these fees? We offer other options to move your money including Member-To-Member Transfer, Person-To-Person Transfer and Account-To-Account Transfer. |
| Wire Transfer - International Incoming | $50.00 per wire | |
| Wire Transfer - International Outgoing | $50.00 per wire | Additional pass through fees may apply. |
| Return Wire Fee | $20.00 per wire | |
| IRA Direct Transfer Fee | $25.00 per transfer | |
| Mailed Statement Fee | $5.00 per statement | |
| Returned Statement Fee | $5.00 per statement | |
| Check and Other Document Copy Fee | $5.00 per copy | |
| Account Research/Reconciliation Fee | $25.00 per hour | |
| Verification of Deposit/Loan Fee | $25.00 per verification | |
| Garnishment Fee | Up to $100.00 per occasion | |
| Levy Fees | $50.00 per occasion | |
| Inactive Account Fee1 | $5.00 per month | How can I avoid this fee? Maintain a balance over $250 or make regular transactions throughout the year. |
| Dormant Account Fee | $5.00 per month after five (5) years |
1Inactive Account Fee: Savings Account: If you have not made any transactions for twelve (12) months to your regular savings account and the balance is below $250, we will classify your account as inactive and may impose an inactivity fee. Checking Account: If you have not made any transactions for twelve (12) months to your checking account, we will classify your account as inactive and may impose an inactivity fee. You authorize us to transfer funds from any account to cover fee(s) and close your membership if the balance of all deposit accounts is zero (Not applicable to minor accounts).
Online Banking & Bill Pay Fees
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