Georgia’s Own Credit Union is offering new members an exceptional opportunity to earn up to $750 in cash bonuses through their “WELCOMEFALL” promotion, combining checking and savings account bonuses with an extra reward for opening both accounts.
Want the best bank bonuses nationwide? Check out our top picks here—including huge offers from BMO, CIT Bank and Axos Bank that you won’t want to miss!
The Triple Bonus Overview
Maximum Bonus: $750 total cash rewards
Promo Code: WELCOMEFALL (required)
Promotion Period: November 1, 2025 – December 31, 2025
Bonus Structure: Three separate bonus opportunities
TRENDING DEAL:
Maximize Your Money with the Axos One High-Interest Checking & Savings Bundle!
Unlock financial growth with the Axos One Bundle! Earn high interest with an impressive 4.21% APY on your savings and enjoy a solid 0.51% APY on your checking balance—all in one...Show More
Unlock financial growth with the Axos One Bundle! Earn high interest with an impressive 4.21% APY on your savings and enjoy a solid 0.51% APY on your checking balance—all in one streamlined package. Perfect for those who want to maximize their money, Axos One combines the flexibility of a checking account with the earning power of a high-interest savings account. Simplify your banking while watching your savings grow faster with Axos Bank's convenient, tech-savvy approach.
Disclaimers:
The Annual Percentage Yield (APY) is accurate as of 2/2/2026. The base and promotional interest rate and corresponding APY for Axos ONE® Checking is variable and is set at our discretion. The base and promotional interest rate and corresponding APY for Axos ONE® Savings is variable and is set at our discretion. Axos ONE® Savings is a tiered variable rate account. Axos ONE® Checking is a non-tiered variable rate account. Interest rates may change as often as daily without prior notice. Fees may reduce earnings.Promotional terms and conditions are subject to change or removal without notice. Incentive may be taxable and reported on IRS Form 1099-MISC. Consult your tax advisor. After the accounts are opened, the amount of incentive earned will depend on meeting the additional requirements outlined below.The Axos ONE® Checking account will earn a base rate of 0.00% APY. The Axos ONE® Savings account will earn a base rate of up to 1.00% APY.Axos ONE® accounts are eligible to receive a promotional APY for each statement cycle where the promotional criteria are met during the Qualification Period. To receive the promotional APY on both Axos ONE® Checking and Axos ONE® Savings, the Axos ONE® Checking account must meet both of the requirements in either Option 1 or Option 2 below during the Qualification Period:Option 1Your Axos ONE® Checking account has received monthly qualifying direct deposits of at least $1,500 in total.The average daily balance of your Axos ONE® Checking account is at least $1,500.Option 2Your Axos ONE® Checking account has received monthly qualifying deposits of at least $5,000 in total.The average daily balance of your Axos ONE® Checking account is at least $5,000.If both of the requirements in either Option 1 or Option 2 above are met during the Qualification Period:The Axos ONE® Checking account will earn a promotional rate of 0.51% APY for the statement cycle in which the requirements are met.The Axos ONE® Savings account will earn a promotional rate of up to 4.21% APY for the statement cycle in which the requirements are met.The Qualification Period begins on the first business day of the month and runs through the 25th of the month. If the 25th of the month is followed by a non-business day, the average daily balance will be calculated including the following non-business day(s). Any qualifying deposits or qualifying direct deposits received after the 25th of the month will count toward the next Qualification Period. The Qualification Period for new accounts will begin on the day the account is approved. New accounts opened on or after the 25th of the month will be eligible to earn the promotional APY starting in the following month.A direct deposit is an electronic deposit of your paycheck or government benefits, such as Social Security, Disability, etc. International paychecks, international government benefits, other deposits (i.e., online banking transfers, ATM and mobile check deposits, etc.), or person-to-person payments are not considered a direct deposit.Qualifying deposits only include deposits from the following eligible sources: (i) ACH transfers from external accounts, (ii) inbound wire transfers from external accounts, (iii) check deposits. Qualifying deposits do not include: (i) transfers internal to the bank (i.e., transfers between an account holder’s Checking and/or Savings account), (ii) interest payments, (iii) promotional bonuses, (iv) credits, reversals, and refunds.Both accounts must be in an open and active status on the 25th of the month and on the date the interest is paid to receive the promotional APY for that statement cycle. If either account closes during the Qualification Period, neither account will be eligible to earn the promotional APY for that statement cycle. Account transactions may take one or more business days from the transaction date to post to the account. Show Less
Disclaimers:
The Annual Percentage Yield (APY) is accurate as of 2/2/2026. The base and promotional interest rate and corresponding APY for Axos ONE® Checking is variable and is set at our discretion. The base and promotional interest rate and corresponding APY for Axos ONE® Savings is variable and is set at our discretion. Axos ONE® Savings is a tiered variable rate account. Axos ONE® Checking is a non-tiered variable rate account. Interest rates may change as often as daily without prior notice. Fees may reduce earnings.Promotional terms and conditions are subject to change or removal without notice. Incentive may be taxable and reported on IRS Form 1099-MISC. Consult your tax advisor. After the accounts are opened, the amount of incentive earned will depend on meeting the additional requirements outlined below.The Axos ONE® Checking account will earn a base rate of 0.00% APY. The Axos ONE® Savings account will earn a base rate of up to 1.00% APY.Axos ONE® accounts are eligible to receive a promotional APY for each statement cycle where the promotional criteria are met during the Qualification Period. To receive the promotional APY on both Axos ONE® Checking and Axos ONE® Savings, the Axos ONE® Checking account must meet both of the requirements in either Option 1 or Option 2 below during the Qualification Period:Option 1Your Axos ONE® Checking account has received monthly qualifying direct deposits of at least $1,500 in total.The average daily balance of your Axos ONE® Checking account is at least $1,500.Option 2Your Axos ONE® Checking account has received monthly qualifying deposits of at least $5,000 in total.The average daily balance of your Axos ONE® Checking account is at least $5,000.If both of the requirements in either Option 1 or Option 2 above are met during the Qualification Period:The Axos ONE® Checking account will earn a promotional rate of 0.51% APY for the statement cycle in which the requirements are met.The Axos ONE® Savings account will earn a promotional rate of up to 4.21% APY for the statement cycle in which the requirements are met.The Qualification Period begins on the first business day of the month and runs through the 25th of the month. If the 25th of the month is followed by a non-business day, the average daily balance will be calculated including the following non-business day(s). Any qualifying deposits or qualifying direct deposits received after the 25th of the month will count toward the next Qualification Period. The Qualification Period for new accounts will begin on the day the account is approved. New accounts opened on or after the 25th of the month will be eligible to earn the promotional APY starting in the following month.A direct deposit is an electronic deposit of your paycheck or government benefits, such as Social Security, Disability, etc. International paychecks, international government benefits, other deposits (i.e., online banking transfers, ATM and mobile check deposits, etc.), or person-to-person payments are not considered a direct deposit.Qualifying deposits only include deposits from the following eligible sources: (i) ACH transfers from external accounts, (ii) inbound wire transfers from external accounts, (iii) check deposits. Qualifying deposits do not include: (i) transfers internal to the bank (i.e., transfers between an account holder’s Checking and/or Savings account), (ii) interest payments, (iii) promotional bonuses, (iv) credits, reversals, and refunds.Both accounts must be in an open and active status on the 25th of the month and on the date the interest is paid to receive the promotional APY for that statement cycle. If either account closes during the Qualification Period, neither account will be eligible to earn the promotional APY for that statement cycle. Account transactions may take one or more business days from the transaction date to post to the account. Show Less
Bonus Breakdown
All Access Checking Bonus: $300
Requirements:
- Open new All Access Checking account online with promo code WELCOMEFALL
- Register for online banking
- Make 10 debit card transactions per statement cycle for first 2 consecutive cycles
- Receive $2,500+ in qualifying direct deposits per statement cycle for 2 consecutive cycles
- Bonus Payment: Within 120 days of completing requirements
Primary Savings Bonus: $200
Requirements:
- Open new Primary Savings account online with promo code WELCOMEFALL
- Deposit $15,000+ in new money within 30 days of account opening
- Maintain $15,000+ balance for 90 days from account opening
- Bonus Payment: Within 120 days of completing requirements
Extra Combo Bonus: $250
Requirements:
- Open both All Access Checking AND Primary Savings accounts simultaneously
- Complete all requirements for both individual bonuses above
- Bonus Payment: Within 150 days of completing all requirements
- Total Potential: $750 ($300 + $200 + $250)
Trending Savings Account Deal:
CIT Bank Platinum Savings: Earn Up to 3.85% APY
Looking for a safe, high-yield place to grow your savings before the year ends? Enjoy a standout 3.85% APY on balances of $5,000 or more. That’s over nine times the national...Show More
Looking for a safe, high-yield place to grow your savings before the year ends? Enjoy a standout 3.85% APY on balances of $5,000 or more. That’s over nine times the national average, with no monthly fees and full FDIC insurance for peace of mind. Open your account online with as little as $100, fund it easily through transfer or mobile deposit, and start earning one of the most competitive savings rates in the country today. Show Less
Key Account Features
All Access Checking Benefits
- APY: 0.01% on all balances
- Monthly Fee: $0 with eStatements (otherwise $5)
- Early Pay: Up to 2 days early direct deposit access
- ATM Access: 30,000+ surcharge-free ATMs
- Overdraft Protection: Transfer option available
Primary Savings Benefits
- Tiered APY Structure:
- $5.01 – $49,999.99: 0.10% APY
- $50,000 – $99,999.99: 0.15% APY
- $100,000+: 0.20% APY
- Minimum Opening: $5.00
- New Money Requirement: $15,000 for bonus (cannot be existing Georgia’s Own funds)
TRENDING DEAL:
Maximize Your Money with the Axos One High-Interest Checking & Savings Bundle!
Unlock financial growth with the Axos One Bundle! Earn high interest with an impressive 4.21% APY on your savings and enjoy a solid 0.51% APY on your checking balance—all in one...Show More
Unlock financial growth with the Axos One Bundle! Earn high interest with an impressive 4.21% APY on your savings and enjoy a solid 0.51% APY on your checking balance—all in one streamlined package. Perfect for those who want to maximize their money, Axos One combines the flexibility of a checking account with the earning power of a high-interest savings account. Simplify your banking while watching your savings grow faster with Axos Bank's convenient, tech-savvy approach.
Disclaimers:
The Annual Percentage Yield (APY) is accurate as of 2/2/2026. The base and promotional interest rate and corresponding APY for Axos ONE® Checking is variable and is set at our discretion. The base and promotional interest rate and corresponding APY for Axos ONE® Savings is variable and is set at our discretion. Axos ONE® Savings is a tiered variable rate account. Axos ONE® Checking is a non-tiered variable rate account. Interest rates may change as often as daily without prior notice. Fees may reduce earnings.Promotional terms and conditions are subject to change or removal without notice. Incentive may be taxable and reported on IRS Form 1099-MISC. Consult your tax advisor. After the accounts are opened, the amount of incentive earned will depend on meeting the additional requirements outlined below.The Axos ONE® Checking account will earn a base rate of 0.00% APY. The Axos ONE® Savings account will earn a base rate of up to 1.00% APY.Axos ONE® accounts are eligible to receive a promotional APY for each statement cycle where the promotional criteria are met during the Qualification Period. To receive the promotional APY on both Axos ONE® Checking and Axos ONE® Savings, the Axos ONE® Checking account must meet both of the requirements in either Option 1 or Option 2 below during the Qualification Period:Option 1Your Axos ONE® Checking account has received monthly qualifying direct deposits of at least $1,500 in total.The average daily balance of your Axos ONE® Checking account is at least $1,500.Option 2Your Axos ONE® Checking account has received monthly qualifying deposits of at least $5,000 in total.The average daily balance of your Axos ONE® Checking account is at least $5,000.If both of the requirements in either Option 1 or Option 2 above are met during the Qualification Period:The Axos ONE® Checking account will earn a promotional rate of 0.51% APY for the statement cycle in which the requirements are met.The Axos ONE® Savings account will earn a promotional rate of up to 4.21% APY for the statement cycle in which the requirements are met.The Qualification Period begins on the first business day of the month and runs through the 25th of the month. If the 25th of the month is followed by a non-business day, the average daily balance will be calculated including the following non-business day(s). Any qualifying deposits or qualifying direct deposits received after the 25th of the month will count toward the next Qualification Period. The Qualification Period for new accounts will begin on the day the account is approved. New accounts opened on or after the 25th of the month will be eligible to earn the promotional APY starting in the following month.A direct deposit is an electronic deposit of your paycheck or government benefits, such as Social Security, Disability, etc. International paychecks, international government benefits, other deposits (i.e., online banking transfers, ATM and mobile check deposits, etc.), or person-to-person payments are not considered a direct deposit.Qualifying deposits only include deposits from the following eligible sources: (i) ACH transfers from external accounts, (ii) inbound wire transfers from external accounts, (iii) check deposits. Qualifying deposits do not include: (i) transfers internal to the bank (i.e., transfers between an account holder’s Checking and/or Savings account), (ii) interest payments, (iii) promotional bonuses, (iv) credits, reversals, and refunds.Both accounts must be in an open and active status on the 25th of the month and on the date the interest is paid to receive the promotional APY for that statement cycle. If either account closes during the Qualification Period, neither account will be eligible to earn the promotional APY for that statement cycle. Account transactions may take one or more business days from the transaction date to post to the account. Show Less
Disclaimers:
The Annual Percentage Yield (APY) is accurate as of 2/2/2026. The base and promotional interest rate and corresponding APY for Axos ONE® Checking is variable and is set at our discretion. The base and promotional interest rate and corresponding APY for Axos ONE® Savings is variable and is set at our discretion. Axos ONE® Savings is a tiered variable rate account. Axos ONE® Checking is a non-tiered variable rate account. Interest rates may change as often as daily without prior notice. Fees may reduce earnings.Promotional terms and conditions are subject to change or removal without notice. Incentive may be taxable and reported on IRS Form 1099-MISC. Consult your tax advisor. After the accounts are opened, the amount of incentive earned will depend on meeting the additional requirements outlined below.The Axos ONE® Checking account will earn a base rate of 0.00% APY. The Axos ONE® Savings account will earn a base rate of up to 1.00% APY.Axos ONE® accounts are eligible to receive a promotional APY for each statement cycle where the promotional criteria are met during the Qualification Period. To receive the promotional APY on both Axos ONE® Checking and Axos ONE® Savings, the Axos ONE® Checking account must meet both of the requirements in either Option 1 or Option 2 below during the Qualification Period:Option 1Your Axos ONE® Checking account has received monthly qualifying direct deposits of at least $1,500 in total.The average daily balance of your Axos ONE® Checking account is at least $1,500.Option 2Your Axos ONE® Checking account has received monthly qualifying deposits of at least $5,000 in total.The average daily balance of your Axos ONE® Checking account is at least $5,000.If both of the requirements in either Option 1 or Option 2 above are met during the Qualification Period:The Axos ONE® Checking account will earn a promotional rate of 0.51% APY for the statement cycle in which the requirements are met.The Axos ONE® Savings account will earn a promotional rate of up to 4.21% APY for the statement cycle in which the requirements are met.The Qualification Period begins on the first business day of the month and runs through the 25th of the month. If the 25th of the month is followed by a non-business day, the average daily balance will be calculated including the following non-business day(s). Any qualifying deposits or qualifying direct deposits received after the 25th of the month will count toward the next Qualification Period. The Qualification Period for new accounts will begin on the day the account is approved. New accounts opened on or after the 25th of the month will be eligible to earn the promotional APY starting in the following month.A direct deposit is an electronic deposit of your paycheck or government benefits, such as Social Security, Disability, etc. International paychecks, international government benefits, other deposits (i.e., online banking transfers, ATM and mobile check deposits, etc.), or person-to-person payments are not considered a direct deposit.Qualifying deposits only include deposits from the following eligible sources: (i) ACH transfers from external accounts, (ii) inbound wire transfers from external accounts, (iii) check deposits. Qualifying deposits do not include: (i) transfers internal to the bank (i.e., transfers between an account holder’s Checking and/or Savings account), (ii) interest payments, (iii) promotional bonuses, (iv) credits, reversals, and refunds.Both accounts must be in an open and active status on the 25th of the month and on the date the interest is paid to receive the promotional APY for that statement cycle. If either account closes during the Qualification Period, neither account will be eligible to earn the promotional APY for that statement cycle. Account transactions may take one or more business days from the transaction date to post to the account. Show Less
Direct Deposit Requirements
Qualifying Direct Deposits:
- Electronic paycheck deposits
- Pension payments
- Government benefits (Social Security, etc.)
- Must come from employer or government agency
Non-Qualifying Deposits:
- Person-to-Person payments (Venmo, Zelle, etc.)
- Transfers between accounts
- Mobile check deposits
Important Terms & Conditions
Eligibility Restrictions:
- Checking Bonus: Not available to existing Georgia’s Own checking members
- Savings Bonus: Not available to existing Georgia’s Own savings members
- Extra Bonus: Not available if accounts closed within 90 days or with negative balance in last 3 years
- Business and employee accounts excluded
Bonus Limitations:
- One checking and one savings bonus per member every 2 years
- One bonus per account type
- WELCOMEFALL promo code good for one-time use only
- Must use promo code on account funding page
Account Standing:
- All accounts must be open and in good standing at bonus payout time
- Bonuses considered taxable income and reported to IRS
Trending Savings Account Deal:
Raisin Savings Network: 70+ Banks, Up $1600 & Top Savings Account APY Rates
Unlock the power of your savings with Raisin’s exclusive network of 70+ insured banks and credit unions, offering top-tier savings rates with zero fees. Plus earn up to a $1,500...Show More
Unlock the power of your savings with Raisin’s exclusive network of 70+ insured banks and credit unions, offering top-tier savings rates with zero fees. Plus earn up to a $1,500 sign up bonus. With just one secure login, you can easily diversify your deposits across multiple institutions, all backed by up to $10 million in federal deposit insurance coverage.¹ Open your Raisin account in minutes and start earning more today. Show Less
Getting Started
Online Application Process:
- Visit Georgia’s Own Credit Union website
- Open All Access Checking and/or Primary Savings account
- Critical: Enter promo code WELCOMEFALL on account funding page
- Register for online banking (checking account requirement)
- Begin meeting monthly requirements immediately
Membership Requirements:
- Must be eligible for Georgia’s Own Credit Union membership
- Primarily serves Georgia residents and select employee groups
Strategic Timeline Planning
For Maximum $750 Bonus:
- Day 1: Open both accounts with promo code
- Days 1-30: Deposit $15,000+ new money to savings
- Months 1-2: Complete 10 debit transactions monthly + $2,500 direct deposits
- Days 1-90: Maintain $15,000+ savings balance
- 120-150 days: Receive bonus payments
RAKUTEN $50 SIGN UP BONUS – Click here to get it!
Why This Offer Stands Out
High Total Value: $750 is among the highest combined bonuses available
Reasonable Checking Requirements: 10 debit transactions and $2,500 direct deposit are achievable
Flexible Savings Timeline: 30 days to fund, 90 days to maintain balance
Quality Accounts: Both accounts offer competitive features beyond the bonus
See the Best Checking & Savings Account Bonuses and Start Earning Free Cash Today
Bottom Line
This is an exceptional promotion for members who can meet both the checking activity requirements and the $15,000 savings deposit requirement. The extra $250 bonus for opening both accounts makes the combined offer particularly attractive.
Best For:
- Georgia residents eligible for membership
- Those with $15,000+ in new money for savings account
- Active banking customers who can easily make 10+ monthly debit transactions
- People with $2,500+ monthly direct deposits
- Members seeking long-term credit union relationship
Contact Information:
- Address: 100 Peachtree St. NW, Suite 2800, Atlanta, GA 30303
- Routing Number: 261071438
- Website: Apply online with promo code WELCOMEFALL
Pro Tip: The promo code must be entered on the account funding page during the application process – this step is critical for bonus eligibility. Plan your timeline carefully to ensure you can meet all requirements within the specified periods.
With the promotion ending December 31, 2025, interested applicants should apply soon to allow adequate time to complete all bonus requirements.
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