Georgia's Own Credit Union Reviews

1.2 out of 5 stars
6 Reviews

From Account Holders in the last year


Application Process

3 out of 5 stars

Customer Service

2.5 out of 5 stars

1 5

These reviews were written by current and former account holders in the last year.

Jun 28, 2017
Anonymous Account Holder

I have been a member of Georgia's Own Credit Union (previously GA Telco) since 1987. 

They recently applied a 30 day late mark on my credit report (May 2017) for being a few dollars short on payment. 

I have paid on time for years. On numerous occasions, they applied my payment to the wrong account. 

In May of 2016, there was a 'change' and suddenly I was told I owed $999. 

I was supposed to receive a document in postal mail explaining this 'change' but never did. 

I had to opt in to 'something'. My normal payment was $318. 

Suddenly this year, I owed more and was told the payment changed every month now which was the reason I was short May of 2017. 

I have tried to call to get clarification but no one seems to understand. I am jerked around when I call and finally when I 

was able to make a payment to 'reconcile' the so-called few dollars I was short, I am told there is an 8$ fee to process 

the payment. There is not a way to pay online. The only way to pay without a fee is by check at a branch.  

All the employees have bailed and everyone I speak to is confused and lack professionism. 

I could not get an accurate answer as to why my payments suddenly changed. 

I am refinancing my home mortgage and dropping telco for good. Don't trust them. Do your banking elsewhere....

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Mar 14, 2017
The Worst!!!!!
Anonymous Account Holder

Terrible credit union! I made a deposit in the night deposit box to my business account. Did not credit it to my account over 24 hours later. Called to ask them why, and of course no one answered the phone, and no one called me back. 


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Feb 28, 2017
Not personable at all
Anonymous Account Holder

When the system upgraded last year it put overdraft protection back on my account and when I got an overdraft fee for $1 they told me they will not reverse any more unless it was the bank error!!! IT WAS!!! I closed my business account with them and went back to Welcoming Wonderfully Improved Wells Fargo!!!

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Nov 17, 2016
Tedious to work with / Bad service
Anonymous Account Holder

My husband and I are sorely disappointed in the service at Georgia's Own CU. We've banked with them for 4 years and have checking, savings, car loan & line of credit accounts.  We are now closing our accounts.There have been multiple problems recently: they will block our debit cards if a loan is 15 days late WITHOUT notice that the account needs to be paid and often do so at 5:00 PM when you can't call to correct it. They have monthly updates when their system is completely down which is way to frequent. They've recently been down for 3-days over a weekend for a major update where we weren't able to call them or use our cards.  After the update was finished, our cards declined when we needed them as they found a bug in their system.  They were very unapologetic and acted like it was no big deal.  They also turned off our transfer capability on the update which caused an embarrassing evening at a store when we couldn't pay for the things in our cart even though we knew we had money.  I've recent'ly found out through unfortunate circumstances that their overdraft protection is descretionary and calculated via computer each day, so we did not have protection when we needed it and they were not willing to reverse fees because I had a single fee reversed months ago. I do not understand the point of overdraft protection if it's not there when you need it.  And the chips cards they are forcing their cardmembers to use are a huge headache for a multitude of reasons. Like I said, we're done with them and are closing our accounts. 

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Oct 24, 2016
Craziness!!! All The Time
Anonymous Account Holder

Systems are always down. Card declines all the time due to system errors. 

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Oct 04, 2016
They try and fail
Anonymous Account Holder

Online systems are regularly down. Updates a few times a year with outages of a day or more. Errors after every update. "Sorry for the confusion" is their standard line. There is no confusion, they mess up and do not take ownership of their errors. 

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