Business Banking
Business Checking
Whether you are a small business with limited transactions or a large corporation with significant check writing and deposit activity, a South Georgia Banking Company Business Checking account can offer you features and fees to suit your business. Features include payroll direct deposit, Internet Banking, and night depository service. A Customer Service Representative will be glad to discuss which account best suits your needs.
Business Savings
South Georgia Banking Company offers an interest bearing savings account to enable our customers to save, and at the same time, have easy access to their money. Saving for the future is made easy with an automatic transfer from your checking to your savings account. Open this account with a minimum deposit of $50.00. Six free withdrawals can be made during each quarterly statement period; additional withdrawals are $2.50 each. The interest rate and annual percentage yield is subject to change at the bank's discretion. Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items. Interest will be compounded quarterly and will be credited to the account quarterly. If you close the account before interest is credited, you will not receive the accrued interest.
Merchant Processing
Your customers will appreciate being able to pay using their debit or credit card. Using South Georgia Banking Company’s Merchant Processing, retail merchants are able to process credit and debit card transactions with Visa, MasterCard, Discover and American Express. Please call our representative for details concerning discount rates, machine rental and setup.
Agricultural Loans
Agriculture has played a large part in our growth and success. See us for your equipment, land acquisition or operating agricultural loans. Our agricultural loan specialists know South Georgia farming. We stay familiar with the government programs and remain involved with the agricultural community. Our agricultural lenders welcome the opportunity to discuss your financing needs.
Commercial Loans
Small business loans are our specialty. Our local decisions and quick response time sets us apart from other lenders. South Georgia Banking Company specializes in equipment loans, short term working capital needs, and fixed asset expansion. Contact one of our commercial lenders to discuss your business needs.
Additional Services
- Safe Deposit Boxes -
Protect your valuables and keep your important documents safe at all times with one of our Safe Deposit Boxes. Sizes range from a 3x5 to a 10x10 with annual fees ranging from $20.00 to $60.00. Rest easy each day knowing the items you store are safe and secure. - 24 Hour Telephone Banking -
Keep in touch with your money 24 hours a day with South Georgia Banking Company’s Telephone Banking. With the use of your touch tone telephone, you can get information on your checking, savings, Certificate of Deposit, or loan accounts. In addition, you can transfer funds and receive a fax of your transactions. The phone number to access Telephone Banking is (229) 382-5680 or toll free (877) 482-5680. - Overdraft Protection -
Worried about accidental overdrafts, let us set up an automatic overdraft protection transfer from one of your other checking or savings accounts. - Wire Transfer
- Travelers Checks
- Federal Tax Depository
- Night Depository Service
- Bank-By-Mail
