Premium Checking
BE SAFER. SPEND SMARTER. IT’S SIMPLE!
With extraordinary security and smart savings, the Georgia Heritage Federal Credit Union premium checking account is your solution for your banking needs. With one of the best credit unions in Georgia, you can protect your finances right from your fingertips and save money on everyday purchases, which leaves more free time to enjoy life. You can bank on it.
Added Perks
Premium Checking Account
- Earn monthly dividends on a minimum average daily balance of $500
- 2 free foreign (Non-GHFCU) ATM transactions per month with Direct Deposit and eStatements
- With your Georgia Heritage FCU Visa® Debit Card you will earn 1 point for every $4 you spend, redeemable at uChoose Rewards.
- Free Visa® Debit Card with signature-based Choice Card rewards
- Access to more than 5,500 CO-OP shared branches and surcharge-free ATMs
- Apple Pay®, Samsung Pay®, and Google Pay™
- Free mobile banking, digital banking, and bill pay
- Remote Check Deposit
You'll Also Enjoy
IDProtect®: Identity Theft Monitoring and Resolution Service
Help better protect yourself and your joint account owners with our identity theft monitoring and resolution service that includes credit file monitoring, access to credit report and scores2, monitoring of over 1,000 public databases, identity theft expense reimbursement3, fully managed resolution services, and more.
Up to $10,000 of 24-hour Accidental Death & Dismemberment Insurance
Coverage divides equally on joint accounts and reduces by 50% at age 70.
Cellular Telephone Protection
Receive up to $300 of replacement or repair costs if your eligible cell phones are stolen or damaged.
(Cellular telephone bill must be paid from this account.)
Debit Advantage®
Buyer's Protection & Extended Warranty3
(Item(s) must be purchased entirely with this account for coverage).
$hopping Rewards™
Earn cash rewards when you shop online at several of your favorite retailers.
(registration/activation required; available online only)
Health Discount Savings
Enjoy savings on vision, prescription drugs, and dental services. This is NOT insurance.
(registration/activation required)
Early Pay
What is Early Pay?
Early Pay makes ACH direct deposit funds available up to two days early! Once Georgia Heritage Federal Credit Union is notified of an incoming ACH deposit, we automatically make the funds available to you up to two days in advance. Early pay is a default feature—there’s no need to sign up or opt in, but direct deposit is required. Early posting of your payment is contingent on GHFCU receiving the file from the originating institution, and we cannot guarantee early payment.
How Much Does Early Pay Cost Me?
Nothing at all. Early pay is a complimentary service we provide to all our member-owners!
Your Questions, Answered by Your Local Savanah Credit Union
Whether you're opening your first account, exploring loan options, or looking to make the switch, find clear answers and guidance from the team at Georgia Heritage Federal Credit Union—here to support your financial journey every step of the way.
Why should I choose a credit union over other financial institution?
Choosing a credit union means choosing a financial partner that puts members first. At Georgia Heritage Federal Credit Union, you’re not just a customer- you’re a member-owner. That means your financial well-being is the priority, not profits for large stockholders.
With benefits like personalized service, local decision-making, and a focus on long-term relationships, credit unions offer a different kind of banking experience. It’s all part of the philosophy here at GHFCU: Bank like you own it, because you do!
How do I switch to a credit union?
Switching to a credit union is easier than you might think. Start by opening a savings account, then a checking account if you would like a debit card, and finally update your direct deposits and automatic payments. Georgia Heritage Federal Credit Union provides the tools and support to make your transition seamless, including online banking to manage everything in one place.
Open your account online or connect with a local branch for step-by-step help.
Can I open a bank account online?
Yes, Georgia Heritage Federal Credit Union allows you to open an account online. This makes it easy to get started with a checking account from the comfort of your home, while still having access to local support when you need it.
Get started now!
How do I apply for a personal loan?
Applying for a personal loan with Georgia Heritage Federal Credit Union is simple. You can start your application online or visit a branch to speak directly with a lending specialist. Whether you’re consolidating debt or covering a large expense, our team can guide you through your options and help you find the right solution.
Apply online or visit your nearest branch to get started today.
Where can I get a cashier’s check?
You can obtain a cashier’s check through a trusted financial institution like Georgia Heritage Federal Credit Union. Cashier’s checks are a secure way to make large payments, such as for home purchases or other major transactions, pulled from the available funds you have on deposit or from a loan to proceed. In most cases, you’ll need to be a member to request a cashier’s check, so it’s best to open an account!
Anyone who lives, works, worships, or attends school in Chatham, Effingham, or Bryan Counties are eligible for membership at GHFCU, and their immediate families.
Visit a branch or contact our team to request a cashier’s check.
How can I open a bank account?
Opening a bank account is quick and straightforward, whether in person or online. You’ll typically need a valid ID, personal information, and an initial deposit.
Start your application online or stop by a local branch for help.
How do I deposit a check into my account?
Check deposits may be made by visiting a branch, using an ATM, or through mobile deposit within our digital mobile banking app. Georgia Heritage Federal Credit Union offers online banking solutions, making it easy to deposit checks securely and conveniently from almost anywhere.
Learn more here!
How do I open a bank account for the first time?
If you’re opening your first account, the process is simple. Choose the account that fits your needs, gather your identification, and complete your application online or in person.
Georgia Heritage Federal Credit Union is here to guide you every step of the way, making it a great option for first-time account holders.
How do I open an IRA account?
Opening an IRA account is an important step toward long-term financial planning. You’ll choose the type of IRA that fits your goals and fund the account. For more detailed guidance, it’s best to consult your tax advisor then speak directly with a representative at Georgia Heritage Federal Credit Union who can walk you through your options and help figure out which savings option is best for you.
Learn more here!
What is a checking account?
A checking account is designed for everyday financial activity, such as paying bills, making purchases, and managing deposits. A GHFCU checking account comes with a debit card and provides easy access to your money along with tools like online and mobile banking to simplify your finances. Opening an account at GHFCU is a great way for people in Chatham, Effingham, and Bryan Counties to access personalized and convenient services, right in their community.
What is the best mortgage loan?
The best mortgage loan depends on your financial situation, credit history, and long-term goals. Options can include fixed-rate and adjustable-rate mortgages. Georgia Heritage Federal Credit Union offers a variety of home loans in Savannah, Rincon, Pooler, Richmond Hill, and surrounding areas, and speaking with a loan specialist is the best way to determine the right fit.
Learn more about your options!
What is the best Credit Union in Savannah?
Georgia Heritage Federal Credit Union has been voted as Best Credit Union and Best Financial Services in Savannah, Pooler, and Effingham many times throughout the years. We are proud to serve our members and community every day
Learn more about joining GHFCU!
1Benefits are available to personal checking account owner(s), and their joint account owners subject to the terms and conditions for the applicable Benefits. Some Benefits require authentication, registration, and/or activation. Benefits are not available to a "signer" on the account who is not an account owner or to businesses, clubs, trusts, organizations and/or churches and their members, or schools and their employees/students.
2Credit Score is a VantageScore 3.0 based on single credit bureau data. Third parties may use a different type of credit score to assess your creditworthiness. Once you have activated credit file monitoring you may request your credit score. Once you have done so, you will have access to your score on a monthly basis. GHFCU does not use VantageScore 3.0 to determine your creditworthiness. Please contact a GHFCU representative for more information.
3Special Program Notes: The description herein are summaries only and do not include all terms, conditions, and exclusions of the Benefits described. Please refer to the actual Guide to Benefit and/or insurance documents for complete details of coverage and exclusions. Coverage is provided through the company named in the Guide to Benefit or on the certificate of Insurance. Insurance Products are not Insured by the NCUA or any Federal Government Agency; Not a deposit of or guaranteed by the credit union or any credit union affiliate.
Disclaimer: $4.95 monthly fee. However, the monthly fee would be waived by maintaining a $4,000 minimum average daily balance.