Managing your money with Georgia First is straightforward, secure, and convenient. Whether you are looking for the basics with no fees or you want benefits and the ability to earn rewards You won’t go wrong with any of the personal checking account options that we offer.

Personal Checking Comparison Chart

- Minimum Opening Balance Service Charge/Fee Daily Minimum Balance To Avoid Service Charge Earn Interest Daily Minimum Balance To Earn APY Additional First Secure Features
Georgia First Checking  $100 No monthly $3.00 fee with e-statement NO NO NA NO
First Secure Checking  $100 $6.95 - Monthly NO NO NA YES
First Secure Plus Checking $2,500 $5.95 - Monthly $2,500 YES $2,500 YES

Georgia First Checking

    • Minimum deposit to open - $100
    • No minimum balance 
    • No per check charge
    • $3 monthly service charge waived with e-statement enrollment

First Secure Checking

First Secure Checking provides the added safeguard of IDProtect®, and you can take advantage of other smart discounts on financial services and everyday purchases that are included with this account.

    • Minimum deposit to open - $100
    • No minimum balance
    • No per check charge
    • $6.95 monthly service charge
    • One (1) FREE basic check order per year
    • One (1) overdraft OR stop payment fee refund per quarter
    • Two (2) free cashier’s checks per month

Additional First Secure Features:

    • IDProtect® - Identity Theft Monitoring and Resolution Service1*
    • Up to $10,000 of 24-hour Accidental Death & Dismemberment Insurance2
    • Cellular Telephone Protection2(Cellular telephone bill must be paid through this account.)
    • Debit Advantage™ Buyer’s Protection and Extended Warranty2(Item(s) must be purchased in full with eligible checking account)
    • Travel and Leisure Discount Membership*
    • Health Discount Savings3*
    • $hopping Rewards™*

First Secure Plus Checking

Get The Same Great Features As First Secure Checking Plus Earn Interest.

    • Minimum deposit to open - $2,500
    • Competitive interest rate
    • Daily minimum balance of $2,500 to avoid $5.95 monthly service charge
    • Daily minimum balance of $2,500 must be maintained to obtain annual percentage yield
    • One (1) FREE basic check order per year
    • Two (2) free cashier’s checks per month
    • All First Secure “Additional Features” are also included

*Registration/activation required.

  • [1] IDProtect is a personal identity theft protection service available to account owner(s) and their joint account holders. The service is available to non-publicly traded businesses and their business owner(s) listed on the account (service not available to employees or authorized signers who are not owners). For revocable grantor trusts, the service is available only when a grantor is serving as a trustee and covers the grantor trustee(s). For all other fiduciary accounts, the service covers the beneficiary, who must be the primary member (Fiduciary is not covered). Service is not available to a “signer” on the account who is not an account owner. Service is not available to clubs, organizations and/or churches and their members, schools and their employees/students.
  • [2] Special Insurance Program Notes: The descriptions herein are summaries only. They do not include all terms, conditions and exclusions of the policies described. Please refer to the actual policies for complete details of coverage and exclusions. Insurance is offered through the company named on the certificate of insurance. Guide to Benefit is provided at time of account opening. Insurance products are not a deposit; not FDIC insured; not an obligation of bank; and not guaranteed by bank or any affiliated entity.
  • [3] This is NOT insurance. 


**ALL Georgia First Checking Accounts include complimentary Mastercard ATM/Contactless Debit Cards, Online Banking, Online Bill Pay Services, Mobile Banking, and Mobile Deposit.