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Personal Checking

Our checking accounts are designed to meet the needs of our customers - find the one that is your perfect fit! All personal checking accounts allow access to your account by paper checks, debit cards, Internet Banking and the ATM. For more information on any of these accounts, please contact a customer service representative at any of our convenient locations.

Personal Checking

Our basic checking account is designed for a person who does not write a lot of checks or keeps a moderate balance in the account. You can open the account with a minimum deposit of $50.00. The monthly maintenance fee is $5.00 and the Customer Debit Fee is $.20 per debit or withdrawal, but you can avoid both charges by keeping a daily minimum balance of $500.00.

Flat Fee Checking

If your account has a lot of activity or maintains a low average balance, this is the solution for you. Open this account with a minimum deposit of $50.00 and enjoy unlimited check writing for a flat monthly maintenance fee of $10.00 per month.


Student Checking

Students need an account that keeps up with a hectic schedule. Designed for full time students through the age of 22, Student Checking allows unlimited access to any South Georgia Banking Company ATM at no charge. The account can be opened with a minimum deposit of $50.00 and there is no minimum balance requirement, monthly maintenance fee or per debit charge. When you turn 23 years old, a $10 monthly maintenance fee will apply.

Senior Checking + Interest

Senior Checking is for our customers age 62 and over. When you open your account with a minimum deposit of $50.00 you are entitled to several benefits: you will have no maintenance or per debit fees and you will be exempt from fees to purchase Cashier's Checks. This is an interest bearing account in which the interest rate is determined by the account balance tier formula. Ask our Customer Service Representative about competitive time deposit rates. To review our rates, click here.

NOW Account Personal*

Choose this account for unlimited check writing and interest earnings on your balance. The interest rate and annual percentage yield are available on the Rate Chart at any banking location, and are 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 monthly and will be credited to the account monthly. The monthly maintenance fee of $10.00 will not be charged if the daily collected balance does not fall below $1000.00.* To review our rates, click here.

Money Market

Choose this account to earn the Money Market interest rates. The interest rate is determined by an account balance tier formula; the higher the balance the higher the rate. No monthly maintenance fees for daily balances of $2,500 or more.** To review our rates, click here.
All checking and savings accounts are subject to approval.
*The Federal Reserve Board determines the types of entities that may maintain a NOW Account Personal. The following entities cannot maintain a NOW Account Personal - All organizations that are operated for profit; credit unions and other mutual depository institutions; mutual insurance companies: crop financing organization; organizations created to function as part of a qualified group legal service plan; and farmers' cooperatives.
** A $5.00 minimum balance fee applies to personal money market account if the daily account balance is below $2,500.00.