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Minimum Opening Deposit 1,000.00
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South Georgia Banking Company’s Neil Joiner to Retire after 35 Years of Service to Dooly County

December 31st will mark the end of Neil Joiner’s dedicated service to the banking industry of Dooly County. Joiner’s retirement comes after 35 years of banking; first as a loan officer and president for Bank of Dooly and eventually as City President for South Georgia Banking Company’s Vienna branch.



A native of Dooly County, Joiner graduated from Unadilla High School in 1970 and went on to pursue a degree in Business Management from Valdosta State University. He was a graduate of Georgia Banking School and received another degree from the Graduate School of Banking at Louisiana State University.



Though his career in banking kept Joiner busy, he has also been an active member of the community. He served as a board member for the Dooly County Chamber of Commerce for over 30 years, and has been a long time member and serves as current chairman for several local development authorities including: Crisp-Dooly Joint Development Authority, Dooly County Industrial Development Authority, Vienna Development Authority and Vienna Downtown Development Authority.



Joiner has served in various positions with the Georgia Bankers Association (GBA) and the Community Bankers Association of Georgia (CBA), including several terms as Director of CBA.



Neil and his wife, Jane, have been married since 1974 and had triplets in 1978: Erin, Seth and Carrie. They now have four grandchildren: Abby, Melanie, Megan and Walt. The Joiner family is active in Vienna First Baptist Church where Neil currently serves as deacon, church pianist and Sunday school teacher.



Neil’s hobbies include writing, music and fishing. He is publishing his first book this year, an illustrated patriotic poem entitled, “What America Is” - which was inspired by his triplets who were five years old when he wrote the poem.



Joiner will be missed as both a hardworking and vibrant member of the South Georgia Banking Company family and the Dooly banking industry as a whole. SGBC will be holding a retirement reception in Joiner’s honor on Friday, December 11th from 3pm to 5pm at their Vienna location, 210 South 3rd Street. All are welcomed. Come help us celebrate Neil Joiner who believes that “George Bailey continues to provide the best example of what a banker should be.”

South Georgia Banking Company Encourages You to Practice Online Shopping Safety this Holiday Season

Believe it or not, the holiday season is upon us.  For a lot of people, shopping is a big part of the seasonal fun.  And more and more shoppers are using their mouse to cross things off their list.  Online shopping is on the rise and while it can be convenient and enjoyable, it is advisable to take a few precautions ensuring your information and your money stays safe.  Keep reading for some tips from South Georgia Banking Company on how to have the best experience possible with your online shopping.


  • 1. Do not shop at a site if you're not comfortable - trust your gut.  If you feel the site may not be secure, you're probably right. Little things such as misspellings, requests for excessive personal information, poor quality logos and photos may be warning signs.
  • 2. Never click on links from spam emails to make purchases - It's always a bad idea to click on a link in an email from someone you don’t know, but it's particularly dangerous if you buy on a site advertised in a spam email. Always try to use a search engine to locate legitimate e-commerce sites.
  • 3. Check the web address to make sure you are on the correct site—make sure that it is legitimate and not a fake or spoofed version. Look for a security seal indicating that the site has been scanned and verified as secure by a trusted third party.
  • 4. In addition, check to see if the site uses encryption when transmitting information over the Internet by looking for a lock symbol on the page and checking to make sure that the web address starts with "https://”, rather than “http://”;which indicates that encryption is being used.
  • 5. Use a credit card or an online payment service—If the site turns out to be fraudulent, your credit card company will usually reimburse you for the purchase or the law should protect you, in the case of fraud. Online payment services, like PayPal let you pay with an account without having to share your financial information with e-tailers. It can be more difficult to get your money back with debit cards -- you don’t want your account to be drained while trying to resolve the problem.
  • 6. Another option savvy shoppers sometimes use is a one-time-use credit card, which includes a randomly generated number that can be used for one transaction only. If the number is stolen it cannot be used again.
  • 7. Do not use a public computer to shop online - Computers save or “cache” information to speed up your Internet experience. If you are using a public computer, your confidential information may be accessible to strangers who use the computer after you. To protect yourself, do all of your online shopping from your secure home computer.
  • 8. Only use a secure connection when you place your order—Never shop using an unsecured wireless network because hackers can access your payment information if the network is not protected.
  • 9. Make sure your computer is protected with up-to-date security software that helps safeguard you from viruses, spyware, keylogger and other emerging threats.
  • 10. Use strong passwords - choose passwords that are difficult to guess and are at least 10 characters long, consisting of numbers, letters, and symbols. Keep your passwords private and don't set your computer to remember credit card numbers or passwords when you create an account for on an online shopping site.


By following these tips, South Georgia Banking Company feels confident that you will have a pleasant, safe and most importantly, secure online shopping experience.  Call us with any questions or if you are afraid your account may have been compromised during an online transaction.  As always, South Georgia Banking Company is your hometown bank, and we are ready to help in any way.

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