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Personal Savings

South Georgia Banking Company offers a variety of interest bearing savings accounts 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. Click here to learn more about our current rates.


Open this account with a minimum deposit of $50. 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.**

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.***

*Savings accounts may make no more than six (6) preauthorized withdrawals, automatic or telephone transfers, checks, drafts, debit card and similar transactions from your account per month or statement cycle.

**All checking and savings accounts are subject to approval.

***A $5.00 minimum balance fee applies to personal money market account if the daily account balance is below $2,500.00.