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Since 1972, BOND Community Federal Credit Union has offered Atlanta's intown neighborhoods a different kind of banking. Our story starts in Little Five Points, where local residents were being turned away by banks that wouldn't invest in this community. The founders of BOND didn't accept that. They organized, sold peaches on Atlanta's streets to fund the first year's member dividends, and opened our first "office" in a neighbor's kitchen. A $2,500 loan from a Mennonite Church got us off the ground. What grew from that beginning is a credit union that has served this community for more than 50 years.
A checking account at BOND is more than a place to park your paycheck. It's a way to bank with an institution that is genuinely of this community, not just in it. We're member-owned and not-for-profit, which means every dollar stays in service of the people who bank here.
BOND serves members across 23 Atlanta in-town neighborhoods. If you live, work, worship, or volunteer in one of our member communities, your checking account is waiting.
Our Personal Checking Account (also referred to as Share Draft Accounts) includes a ton of free services and extensive worldwide access. You can open a Personal Checking Account with a $100 first-time deposit. There are no monthly maintenance fees for full-time students (in Georgia), seniors (age 62 & over), anyone working within an accredited educational facility in Georgia at least 30 hrs/wk, or for accounts that maintain a $300 minimum balance all month.
Our DBA (Doing Business As) Checking Account functions in the same way but also adds a business name to your Personal Checking Account with no additional fees or restrictions; this allows you to print your business name on your checks and/or VISA© Debit Card and deposit items payable to your business. This is not related to a Business Checking Account, which can only be opened with a Federally-issued EIN or TIN; this account is opened under your name & SSN, with a business name tacked on as a DBA. Account features & fees are identical to Personal Checking Accounts.
Our Business Checking Account (also referred to as a Business Share Draft Accounts) includes a ton of services - and extensive worldwide access - completely free with a low minimum balance.
Membership at BOND Community Federal Credit Union is open to anyone who lives, works, worships, or volunteers in one of our 23 Atlanta neighborhoods. Immediate family members of existing BOND members, including parents, grandparents, siblings, children, spouses, and roommates, are also eligible regardless of where they live.
Our member neighborhoods include: Benteen Park, Boulevard Heights, Cabbagetown, Candler Park, Custer/McDonough Guice, Druid Hills (South of Ponce), East Atlanta, East Lake, Edgewood, Grant Park/SAND, Inman Park, Kirkwood, Lake Claire, Old Fourth Ward, Ormewood Park, Poncey-Highland, Reynoldstown, Woodland Hills, College Heights, Green-Mead, Midway Woods, Oakhurst, and Winnona Park.
Once you're a BOND member, you can access your checking account at our branch at 433 Moreland Ave NE in Little Five Points, through BOND mobile banking, or at thousands of locations nationwide via the CO-OP Shared Branch network. Local membership, nationwide reach.
Need help with budgeting or navigating your finances? Our financial counseling services are available to all members.
Pair your checking with a BOND savings account to build a stronger financial foundation, and use BOND mobile banking to manage both from your phone, anywhere.
Personal Checking:
A monthly service fee of $7 applies to this account; however, we waive this fee entirely if one of the following requirements is met
There is a monthly fee of $3 for mailed statements; however, that fee is waived for all members who sign up for e-Statements through Virtual Branch. Simply log in to your account, click on the e-Statements link. Make sure any pop-up blockers you have installed are turned off. Once e-Statements is set up, all forthcoming monthly statements will be available there for up to 18 months. We recommend printing and/or saving them to a hard drive or secured online storage to avoid needing a statement older than 18 months and not having immediate (and free) access to it. We can always retrieve a statement copy for you for an additional fee.
Business Checking:
A monthly service fee of $25 applies to this account; however, we waive this fee entirely if your Business Checking Account never drops below $300 during the calendar month (reassessed monthly).
There is a monthly fee of $3 for mailed statements; however, that fee is waived for all members who sign up for e-Statements through Virtual Branch. Simply log in to your account, click the on the e-Statements link. Make sure any pop-up blockers you have installed are turned off. Once e-Statements is set up, all forthcoming monthly statements will be available there for up to 18 months. We recommend printing and/or saving them to a hard drive or secured online storage to avoid needing a statement older than 18 months and not having immediate (and free) access to it. We can always retrieve a statement copy for you for an additional fee.
These are the only two recurring fees for this account, and they can both be avoided as clearly explained above. For a complete list of all our fees, including those that may pertain to individual actions, services, or products related to checking accounts, click here.
Whether you're switching from a big bank or opening your first account, BOND Community FCU is built for the people of Atlanta's intown neighborhoods. We offer the checking accounts, the digital tools, and the community roots that the national banks have never been able to match here.
Checking Accounts are just the beginning. BOND members also have access to savings accounts, competitive auto loans through AutoAnyone, Visa credit cards, HELOCs and personal loans through our loans center, and more. Check our current rates and see what membership in Atlanta's community credit union looks like.
