ATM

 A fast and easy way to get cash, 24-hours a day. Your ATM card can also be used at point of sale terminals to be deducted directly from your account.

Telephone Banking

Use South Georgia Bank’s TELEPHONE BANKING to access your account 24 hours a day. Your account information is as close as the nearest telephone. Dial (912) 654-2265 or (912) 739-2265 or (912) 557-3372 or 912-408-2265 to find out account balances, checking information, to transfer funds or to have a copy of your statement FAXed to you.

FREE Checking Account

A full-service account which allows you to avoid a monthly service charge, with unlimited checking transactions and no minimum balance. Low cost personalized checks are available.

Unlimited use of SGB ATMs.
($100 minimum to establish an account)

Prestige Checking Account

For those customers who need an account that allows more activity. No minimum balance is required. The monthly service charge is set at $6.00. If you have over 75 transactions, a charge of $.30 per debit will be assessed for each additional transaction. Personalized checks are free and there is no charge for cashiers checks. ($100 minimum to establish an account)
 

Senior Prestige Checking Account

For our customers age 55 and over. No service charge, no minimum balance. Free personalized checks and no charge for cashiers checks. ($100 minimum to establish an account)
 

Prestige with Interest Checking - Now Account

For the customer who wants to earn interest. Earn interest on ledger balance. Rates are based on tiered balances with higher rates paid to higher balances. If the account balance falls below $1,500.00 some service charge will apply based on monthly minimum balance. ($100 minimum to establish an account)

Money Market Account

For someone wanting to earn higher rates of interest for higher balance accounts. No base service charge for minimum balance of $1,000.00. Money Market regulations apply. 3 items free, thereafter $5.00 per item. Interest rates based on tiered balances. ($100 minimum to establish an account)

Regular Savings Account

Interest paid quarterly with a quarterly statement. 3 free withdrawals per quarter; each additional is $3.00. Service charge applies if balance falls below $100.00. (100.00 Minimum to establish account)
 

"SGB Kids" Club Savings Account

 For our kids age 13 and under. No minimum balance. No service charge. 3 free withdrawals per quarter; each additional is $5.00. Deposits earn special gifts.

  

Certificates of Deposit and IRAs

South Georgia Bank offers a variety of certificates of deposit terms and rates to maximize the return on your investment. All deposits are federally insured up to $250,000.00 by the FDIC through December 31, 2013.

Your CD can automatically renew and you will have a grace period of 10 calendar days after the maturity date to withdraw funds without penalty.

SGB IRAs helps you plan for your leisure years while savings tax dollars, including tax deferrals on interest earnings until withdrawal. SGB offers a wide range of maturities and yields to meet your financing objectives. Consult with your tax advisor about deductibility of contributions and other tax benefits.