Products & Services

Checking Accounts

• To open a checking account, you must deposit $100.00

• A maintenance fee of $7.00 will be imposed every statement cycle if the balance falls below $250.00 any day during the statement cycle.

NOW Accounts

• To open a NOW account, you must deposit $1,000.00

• A maintenance fee of $8.00 will be imposed every statement cycle if the balance in the account falls below $1,000.00 any day during the statement cycle.

• You must maintain a minimum balance of $1,000.00 in the account each day during the statement cycle to obtain the disclosed annual percentage yield.

Super NOW Accounts

• To open the Super NOW account, you must deposit $1,000.00 for personal accounts and $2,500.00 for business accounts

• A maintenance fee of $8.00 will be imposed every statement cycle if the balance in the account falls below $1,000.00 for personal accounts and $2,500.00 for business accounts any day during the statement cycle

• You must maintain a minimum balance of $1,000.00 for personal accounts and $2,500.00 for business accounts every day during the statement cycle to obtain the disclosed annual percentage yield.

Money Market Accounts

• To open a Money Market Account, you must deposit $1,000.00 for personal accounts and $10,000.00 for business accounts

• A maintenance fee of $8.00 will be imposed every statement cycle if the balance in the account falls below $1,000.00 for personal accounts and $10,000.00 for business any day during the statement cycle.

• You may make only six transfers from your account each statement cycle. An excess withdrawal fee of $5.00 will be charged for each check or transfer in excess of 6 during the statement cycle.

• You must maintain a minimum balance of $1,000.00 for personal accounts and $10,000.00 for business accounts every day of the statement cycle to obtain the disclosed annual percentage yield.

Savings Accounts

• To open a passbook savings account, you must deposit $50.00

• You are allowed one withdrawal (in person, electronic, requested/pre-arranged transfer) from your account each month. An excess activity charge of $3.00 will be imposed on each withdrawal in excess of one.

CD’s

• $500.00 minimum to open this account

• Competitive interest rates

• Terms range from 3 months to 36 months

• Bank may charge a penalty for early withdrawal

Other Services

• Safe deposit boxes

• Night depository

• Savings bonds

• ATM

• ATM/Debit cards

• 24 hour telephone banking

• Free internet banking and bill pay

Instant Debit Card Alerts

Instant Debit Card Alerts - Call 706-444-5781 to enroll

Receive a text message each time your debit card is used. Message frequency varies by account. Message and data rates may apply. Text HELP to 72586 for help or call 706-444-5781. Text STOP to 72586 to cancel. Participating carriers include AT&T, Sprint, T-Mobile, Verizon Wireless, Boost, Virgin Mobile, MetroPCS, Alltel / AWCC, Cricket, Google Voice and U.S. Cellular.

Loans

• New and used auto loans

• Real estate and home equity loans

• Construction and property improvement loans

• Mobile home loans

• Business loans

• Personal loans