Georgia’s Own Credit Union

I visited the Marietta location today and was helped by Terri and she was patient and kind! She walked me through different options to make deposits and pay my loan. It was a great experience! Thanks Terri for the excellent customer service!

As far as banking goes they fine but that is the easy stuff. DO NOT TRY AND GET A MORTGAGE FROM THEM. No t only are they extremely slow but nearly every person I have interacted with there is so rude. Customer service is not their strength. I have a mortgage with them but would not ever do it again.

Inactive Service Charge Fees for going out of the COUNTRY for a few months and they hit you with $ 98 in fees per month!!!
Stay away and just yanked $ 360K from their grasping hands into another bank!
I deal with more than 20 different banks for various items per the corporations I have set up, this place hits the low spot next to Bank of America for sliminess and that is worse than most politicians…

I have been a customer with this bank since 2006. I have financed several cars and had other lines of credit extended so I would like to keep this relationship going. They have amazing rates BUT I am in the process of financing another vehicle and it has been a complete NIGHTMARE. I have never had the process take more than 2 days to complete before I was in my new car driving out of the dealers lot. Besides, that’s why you get PREAPPROVED right? Well, it’s been 2 weeks now and they still have not sent the paperwork to me for me and the dealer to sign. In the meantime I have had to use my own funds as a deposit to secure the vehicle. I cannot express how deeply disappointed I am in this bank. I’m considering just closing all of my accts and just trying another credit union altogether. It really sucks because the rates are so incredibly good but customer service and the hold times are so incredibly bad.

I have ben a member of this credit union for many years (since it was Georgia Telco) and I have done pretty much all of my banking here. That includes financing cars and mortgages, and maintaining checking accounts, savings accounts and equity lines. But recently, they have really gotten bad. The customer service has become non existent. It may take them days to return a phone call or email, and it seems to me like they are only working part time, because they are out of the office so much. Incompetence is obvious. I am looking for a better credit union and I would recommend that anyone not use these people.

They’re A-​OK as a bank.

Becoming a member of Georgia’s Own was inexpensive & easy. They only wanted a minimal $ 5 for the savings account. And, the checking account had no minimum deposit requirement at all. So I jumped at opening both savings & checking. They will pull your Equifax Credit Report & Credit Score. The minimum score needed to open an account is 525, if I remember correctly. They let me take a peek at my credit score, so that factored into the economy of opening the account. Everything has worked well with my Paypal account, as I have utilized it for fund transfers with no problems. The first batch of checks I got free of charge. Plus walked out of the building with free temporary checks & deposit slips. The checking account comes with a VISA debit card. Which I have used extensively in many places with no problems. The customer service reps are a little contradictory with information they give out. But always friendly. They have made a few minor mistakes with my account, but resolved any issues quickly. I’ve never had problems with the online banking website, except sometimes with the password resetter, as I often have forgotten mine.
I plan on keeping this account going from now on, since you only have to be a resident of Georgia at the time you open the account.

I have been a member of Ga’s Own for aprox. 2 years now and still it has been the best bank I have ever been with. I was recently with BOA for YEARS since I first started my checking account at 15 years old. I left because of their horrible customer service, they charge a fee for every single thing, and they were never helpful over the phone (guess that goes along with customer service). When I told them I was leaving (after being a customer for 10 years) they could care less. Yes we all know your a huge bank, but still, at least seem disappointed or care that I was unhappy with BOA. I joined Ga’s Own after hearing about their services and was also looking for a car loan. Best «banking» decision I could have made.
I have been extremely pleased with the staff at the Marietta Branch. They have always been friendly, helpful, caring and knowledgeable about their services. I have now had three different car loans, and each one has been very easy and fast.
To me, their services can’t be beat. I have just recently applied for one of their credit cards with one of the lowest rates out there. My husband is also a member and LOVES this bank. I have been recommending them to all my friends and will continue to do so.
Can’t seem to say enough on how great they are! Keep up the great work Ga’s Own! :)

Great place to get a loan or credit card, the rates are definitely competitive, BUT it’s still in need of some major improvement. It can be somewhat of an inconvenience at times. Like someone else mentioned, the hours of operation could be much better. Also there are far too few locations for their lobby locations. Most of them seem to be centered near downtown Atlanta or North Atlanta and I’m sure there are plenty of customers/​members that live further away. I have to drive almost 20 miles just to get to the closest branch. The website isn’t even on the level of big corporate banks, but that’s understandable because they are a small financial institution after all, and I didn’t expect them to be as technically inclined as the institutions that can afford to do it. Still, it would be nice to be able to electronically transfer funds between other credit union members, or to be able to view ALL loan information over the internet. Some members have even complained about the site being down many times (although I haven’t experienced it… yet) The costumer service is good and the tellers and loan officers are usually nice and are very willing to help you out. When you join a credit union just consider what you really want. If it’s convenience, you might want to consider a bank, but if you want better rates and service, a credit union like Georgia’s Own is your best bet.

I’ve been banking with Georgia’s Own (formerly Georgia Telco) since I was growing up. Both of my parents worked for Bellsouth and this was their credit union. Besides the general benefits of banking with a credit union Georgia’s Own is special in that it has that at home feel and great customer service. Every single person I have dealt with has been pleasant and more than willing to help. These are real people you are dealing with instead of the corporate feel from the big banks. If you have overdraft charges or other fees, you may be able to talk to them and work out a deal. Georgia’s Own is willing to work with you and rewards good customers.
Their online banking is great and you have access to ATMs all around town through their credit union partners. You can use most ATMs in Target and any Allpoint ATM as well. Overall my experience here has been great. I opened an account with a bank for a while and will say that the experience was horrible compared to the Georgia’s Own. I won’t make that mistake again. Georgia’s Own is expanding and doing a lot of advertising now, I hope it pays off. If you have the chance, you should definitely join this credit union.
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