Kids Club is Here!

Individual  |  Business  |  Other Services

SERVICES FOR OUR INDIVIDUAL AND FAMILY CUSTOMERS

Consumer Checking Account
  • $100 Minimum to Open
  • Unlimited Check Writing
  • No Minimum Balance
Consumer Now Account
  • $100 Minimum to Open
  • $1,000 Minimum Balance to Avoid Monthly Maintenance Fees of $10.00
  • Interest Compounded and Credited Monthly on Daily Balance
Money Market Account
  • $100 Minimum to Open
  • $1,000 Minimum Balance to Avoid Monthly Maintenance Fee of $5.00
  • Six (6) Free Debits Per Month (3 may be by check)
  • $3.00 per item fee for each debit over six (6) per month
  • Interest Compounded and Credited Monthly on Daily Balance

Prime Money Market Account

  • $10,000 minimum to open
  • $10,000 minimum balance to avoid a Monthly Maintenance Fee of $10.00
  • Six (6) Free Debits Per month (3 may be by check)
  • $3.00 per item fee for each debit over six (6) per month
  • Interest compounded and credited monthly on daily balance

Regular Savings Account

  • $100 Minimum to Open ($25.00 for Students)
  • Three Free Withdrawals Per Quarter
  • Additional Withdrawals $2.00 Each
  • $100 Minimum Balance to Avoid $2.00 Quarterly Maintenance Fee (not applicable to students.)
  • Interest Compounded Daily and Credited Quarterly on Daily Balance
Certificates of Deposit
  • Maturities from 91 Days - 60 Months Available
  • Interest Compounded Daily and Credited at Least Annually
  • Penalty for Early Withdrawal
  • $1,000.00 Minimum to Open
IRA's Individual Retirement Accounts
  • Traditional
  • ROTH
  • Educational
Individual Loan Services
  • Personal Loans
  • Home Equity Loans
  • Personal Lines of Credit
  • Home Construction Loans
  • Home Mortgage Loans
  • Overdraft Protection


Services for our Business Customers
Business Checking
Small Business Checking Account
  • $100 Minimum to Open
This account is for small businesses with less than 250 items per month. If account surpasses 250 items per month, the account will be converted to the Commercial Checking Account.

Commercial Checking Account
  • Per Deposit Fee $0.05
  • Per Item Deposited Fee $0.05
  • Per Debit Fee $0.10
  • Monthly Maintenance Fee $5.00
  • Minimum to Open $100.00
This account features an earnings credit, which is applied to reduce or eliminate fees. If the earnings credit exceeds the fees for any period, no fees are assessed. No earnings credit will be paid.

Business Now Account
  • Minimum to open $2,500.00
  • Monthly maintenance fee of $25.00 if balance falls below $2,500.00
  • Per Debit Fee of $0.20 for balances under $2,500.00
  • Simple interest credited monthly.


Business Loan Services
  • Commercial
  • Construction
  • Working Capital
  • Equipment Purchases
  • Expansion Plans
  • Lines of Credit


Other Services for Businesses and/or Consumers
  • ATM and Debit Cards
  • Bank by mail
  • Credit Cards - Consumer and Business
  • Direct Deposits and ACH
  • Merchant Services
  • Night Depository
  • Safe Deposit
  • Savings Bonds
  • Telephone Banking
  • Traveler's Cheques
  • Wire Transfers




Equal Housing Lender Equal Housing Lender

Gray Phone (478) 986-5900
Bass Road Phone (478) 475-5988
Lake Oconee (706) 453-0989
Fax (478) 986-5954
Telephone Banking (478) 986-5959
Privacy Policy


Member Member FDIC
sitemap