CD Rates

Minimum Opening Deposit 1,000.00
Term 12 months
Interest Rate 0.50%
Annual Percentage Yield 0.50%
Annual Percentage Yield is effective as of November 18, 2015.
Rates are subject to change. A penalty may be imposed for early withdrawal.

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.”

Online Banking

Access your account 24 hours a day from home, work or on the road with our online services.

Monitor your accounts, transfer funds and pay your bills - all online with just a few clicks.

It’s easier than you think to get started…set-up time takes just a few minutes. Personal banking customers may enroll online; business banking customers may see one of our customer service representatives to get set up.

Demo and Enroll

Online Bill Pay

What could be easier than paying your bills without ever writing a check? You will quickly discover Bill Pay to be the fastest and most convenient method to pay all your bills. You may access the service anytime, day or night, from the Internet. Bill Pay is a South Georgia Banking Company service designed to make your life a little bit easier.

Fees and Charges

There are no additional fees for accessing Personal or Business Internet Banking through South Georgia Banking Company’s Internet Banking service. Other Business Internet Banking fees are based on the services requested. The Bill Pay service fee is $6.95 per month for personal or business accounts.

eStatement FAQ

1. What is an eStatement and how do I sign up? 

An eStatement is the electronic delivery of your statement, replacing the statement that is currently provided to you via U.S. Postal Service. 

Once you are signed up for eStatement, you will no longer receive a paper statement in the mail. 

To begin retrieving your statements online, just log into your South Georgia Banking Company Online Banking, click on View Statements and enroll the account(s) you would like to receive via eStatement. You do have to be a South Georgia Banking Company Online Banking Customer to receive eStatements. If you are not currently banking online, click on Personal Accounts under the Online Banking section at and then click on Sign up for Online Banking, then follow the instructions. Business customers must come into a South Georgia Banking Company branch to enroll.

2. What are the benefits of receiving an eStatement?

  • It’s free.
  • Ability to print and/or save to your computer or disk. (Please use safe computing practices when storing any personal information on your PC or removable media. South Georgia Banking Company will not be responsible or liable for the loss or theft of any files that you choose to save or store on a PC or removable media.)
  • Can access up to 38 months of eStatement history. (After you enroll for eStatement you will be able to view your next statement online and that will start building your statement history. Up to 38 months of past eStatements are retained.)
  • Added security - with eStatements you avoid mail fraud and mail theft.
  • View your eStatement anytime it’s convenient for you.
  • eStatements are received on the same day they are prepared, no waiting for the mail to arrive.

3. Will my eStatement look the same as the statement in the mail? 

Yes, and it will include all of the same information including your check images.

4. What are the minimum system requirements for my PC? 

This product is best viewed using XP Browsers: IE8, IE9, Fx 20.0.1, Chrome 26.0.14 | Win 7 Browsers: IE8, IE9, Fx 20.0.1, Chrome 26.0.14 | Win 8 Browsers: IE 10, Fx 21 and Chrome 26 | Mac OSX 10.6.8 Browsers: Safari 6.0, Fx 17.0.1, Chrome 24.0.13. It is necessary to have Adobe Reader 5.0 or above installed on your PC to view the eStatement. A free copy of Adobe Reader may be obtained from the Adobe website at

5. How will I be notified that my eStatement is ready to be viewed? 

We will send you a notification by email. Please make sure that we have your correct email address by logging into your South Georgia Banking Company Online Banking and clicking on My Profile. If your email address is incorrect you may update it by clicking on Change Profile Information.

6. What if my email address changes? 

You are responsible for notifying us of any email address change. You may update your email information through South Georgia Banking Company Online Banking by clicking on My Profile and then clicking on Change Profile Information.

7. Can I continue receiving eStatements but cancel the email that notifies me that my eStatement is ready to be viewed? 

No. The email is sent for your security and protection.

8. Can I get my eStatement emailed to me instead? 

No, your eStatement cannot be emailed to you. Email is not a secure way to send your eStatements.

9. Will my eStatement be on South Georgia Banking Company Online Banking if for some reason I don’t receive my email notification? 

Yes, your eStatement and email notification are independent of one another. If you do not receive your email notification, your eStatement will still be on South Georgia Banking Company Online Banking for you to access. If you don’t receive your email notification you will need to first verify that your email address is correct and make sure that you have South Georgia Banking Company added to your trusted sender’s list. Contact us at 229-382-4211 or 888-782-4211 for further assistance if needed.

10. Can I have my eStatement email notification sent to more than one email address? 

Yes, we can send your eStatement notification to more than one email address. Please contact the Internet Banking department at 229-382-4211 or 888-782-4211 if an additional email address needs to be added.

11. Will joint account holders be able to view the eStatement? 

Yes, as long as they have access to log into South Georgia Banking Company Online Banking.

12. Is my eStatement secure? 

Yes. Security of your information is a priority. Your eStatement is protected by 128-bit encryption and is only accessible by logging into South Georgia Banking Company Online Banking.

13. If I close my account, will my last statement come electronically if I'm signed up to receive eStatement? 

No, your final statement will be sent to you via U.S. Postal Service. You will no longer be able to access your account or any eStatements online once the account is closed.

14. What if I change my mind and do not want eStatement? 

You can cancel your eStatement at any time by contacting your local South Georgia Banking Company branch. Paper statements will then be sent to you via U.S. Postal Service.