Online Banking

CD Rates

Minimum Opening Deposit	1,000.00
Minimum Balance to obtain APY	1,000.00
Term	12 months
Interest Rate	1.50%
Annual Percentage Yield	1.51%
Annual Percentage Yield is effective as of March 3, 2010.
Rates are subject to change. A penalty may be imposed for early withdrawal.

Amount of Bail Out Money We Accepted

That's right, zero. Not a dime. South Georgia Banking Company is financially strong - our bank did not apply for or receive bail out funds. Our conservative approach to business has resulted in a solid institution.

Pictured: Glenn Willis, President

USA Patriot Act

IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING OR CHANGING AN ACCOUNT WITH YOUR FINANCIAL INSTITUTION

Section 326 of the USA PATRIOT ACT requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account or changes an existing account. This federal requirement applies to all new customers and current customers. This information is used to assist the United States government in the fight against the funding of terrorism and money-laundering activities.

What this means to you: when you open an account or change an existing account, we will ask each person for their name, physical address, mailing address, date of birth, and other information that will allow us to identify them. We will ask to see each person’s driver’s license and other identifying documents and copy or record information from each of them.

South Georgia Banking Company

NOTICE: South Georgia Banking Company is not responsible for and has no control over the subject matter, content, information, or graphics of the web sites that have links here. Please contact us with any concerns or comments.

South Georgia Banking Company is participating in the FDIC’s Transaction Account Guarantee Program. Under that program, through June 30, 2010, all noninterest-bearing transaction accounts are fully guaranteed by the FDIC the entire amount in the account. Coverage under the Transaction Account Guarantee Program is in addition to and separate from the coverage available under the FDIC’s general deposit insurance rules.