South Georgia Bank Online Banking Agreement and Electronic Fund Transfers - Your Rights and Responsibilities

It is our Mission at South Georgia Bank to provide banking services that exceed the expectations of our customers. South Georgia Bank appreciates your interest in our Internet Banking Product. We pledge to continue providing the highest quality products and services to accommodate our customers.

This South Georgia Bank On-line Banking Access Agreement governs your use of South Georgia Bank On-line Banking. Throughout this web site the Access Agreement will be referred to as "Agreement". You agree to receive this Agreement and Initial Disclosures electronically. After you have carefully read this Agreement, you will be asked to consent to all the terms and conditions of this On-line Banking Access Agreement. Your accessing any of your eligible accounts through South Georgia Bank On-line Banking acknowledges your receipt and understanding of this disclosure. We suggest that you print a copy of this Agreement for future reference.

South Georgia Bank has expanded its banking services to utilize the convenience and efficiency of Internet technology. You ("Customer") understand that the terms set forth are in addition to those that apply to any other accounts that Customer has with South Georgia Bank or any other service Customer thereafter obtains from South Georgia Bank. Customer further understands that any additional instructions and procedures applicable to the services covered by this Agreement provided by South Georgia Bank must also be followed.

Now, therefore, in consideration of the mutual promises and covenants contained herein, and for the other good and valuable consideration, the receipt and sufficiency of which are hereby acknowledged, South Georgia Bank and Customer hereby agree as follows:

Customer must print, fill out, and bring the Online Banking Enrollment form to the bank for activation.  To activate Customer's Online Banking service, Customer must have at least one active account with South Georgia Bank. To access South Georgia Bank Online Banking, Customer will initially use a temporary Log on ID as established by South Georgia Bank. Customer will enter a new Log on Access ID and password during the first connection online with banking information.

The Log-on ID must be six (6) numbers.

The password criteria is as follows:

Minimum Password Length - 6

Maximum Password Length - 12

Number of Alpha Characters Required - 1

Passwords are case sensitive and can be changed at any time by the account holder through our Online Banking Service.

Customer shall take all reasonable and necessary precautions online to protect Access ID and password, such as not leaving the computer unattended while online; not sending over any public or general E-mail systems; and not giving or disclosing any part of the ID or password to any other party. Customer understands that anyone to whom Customer gives the password will have full access to Customer’s accounts. You should carefully select a password that is hard to guess. (We suggest that you do not use names, dates, and information that may easily be guessed.) For security purposes, we recommend that you memorize the password and do not write it down.

Customer shall immediately notify South Georgia Bank in person or by telephone at (912) 654-1051 if customer believes that his/her ID, password, or other means of access may have been lost or stolen, or that someone has transferred or may transfer money from your account without your permission, or if you suspect any fraudulent activity on your account.

South Georgia Bank must receive written notice two (2) business days after Customer learns of such adverse event. If notice is timely given, Customer shall be responsible for no more than $50.00 in losses resulting from unauthorized access. If Customer fails to notify South Georgia Bank within 2 business days after Customer learns of the loss or theft of Customer’s password, ID, or other means of access, Customer shall be responsible for a maximum of $500.00 of losses resulting from such unauthorized access. Also, if your statement shows transfers that you did not make, tell us at once. If you do not tell us within 60 days after the statement was mailed to you, you may not get back any money you lost after the 60 days if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time period.

  • Perform account inquiries on checking, money market, savings, certificate, and loan accounts
  • View statement transaction detail on your accounts
  • Transfer of funds between South Georgia Bank deposit and/or loan accounts
  • Download files to your financial management software
  • Mobile access devices (such as cellular phones) to access transfer services not elsewhere disclosed.

Access to the system is open 7 days a week, 24 hours a day. Only minimal downtime is expected for maintenance, upgrades, and processing; however, the System may be unavailable or slowed from time to time due to factors beyond our control, such as high internet traffic. Our business days are Monday through Friday, excluding holidays.

  • We do not charge for Internet Banking Features.  However, some applications within Internet Banking may charge transaction fees when noted during transaction.
  • Normal check printing fees will be assessed when check orders are processed.

Customer must maintain sufficient funds in accounts to cover any request for transfers. If South Georgia Bank completes a payment transfer that Customer makes or authorizes and South Georgia Bank subsequently learns that Customer has insufficient funds for the transaction, Customer agrees that South Georgia Bank may reverse the transaction or offset the shortage with funds from any other account Customer has with South Georgia Bank. In any case, Customer is fully obligated to provide sufficient funds for any payments or transfers Customer makes or authorizes.

Transfers are final at the time South Georgia Bank receives Customer’s instructions. South Georgia Bank will make transferred funds immediately available to the affected accounts. Your transfer instructions must be received by the Bank no later than 4:30 P.M. on any Business Day ("the Cut-Off Time") in order for the transaction to be completed on that Business Day.

  • Each transfer initiated on a non-business day or legal bank holiday will be considered initiated on the next ensuing business day.
  • Transfers can only be made between accounts for which you are an authorized signer.


If your account is a savings or money account, transfers from the account are limited in accordance with the deposit account agreement governing that account. In general, transfers through Internet Banking will count towards a maximum of six transfers allowed from the account in any statement cycle. If you exceed these limits, we may convert your account to a demand deposit account. Payments to your loan accounts may not count towards these limits. These limitations on frequency of transfers do not apply to transfers from a checking account.

South Georgia Bank will mail or deliver to you periodic statements for your Bank Accounts as disclosed in your deposit agreements. South Georgia Bank will include any transfers you authorize through Online Banking on your statements. You agree to review your periodic statements in accordance with this Agreement and any other deposit Agreements governing your Account.


To Cancel South Georgia Bank Online Banking, Customer must contact South Georgia Bank in writing or by E-mail to notify of Customer’s decision to cancel.

South Georgia Bank reserves the right to deny or cancel the Customer’s ability to access Online Banking. This action may be taken without advance notice to the Customer. After cancellation, service may be reinstated, at the sole discretion of South Georgia Bank, upon Customer’s request, provided that funds are available to cover the cost of any fees or pending transfers.

South Georgia Bank may cancel Customer’s service at any time for any account, which has not been accessed by Customer for a period of three (3) consecutive months.

Liability for failure to make transfers. If we do not complete a transfer to or from your account on time or in the correct amount according to our agreement with you, we will be liable for your losses or damages. However, there are some exceptions. We will NOT be liable, for instance:

(1)   If, through no fault of ours, you do not have enough money in your account to make the transfer.

(2)   If the terminal or system was not working properly and you knew about the breakdown when you started the transfer.

(3)   If circumstances beyond our control (such as fire or flood) prevent the transfer, despite reasonable precautions that we have taken.

(4)   If you have not completely and properly followed the terms of the Agreement or instructions provided by the software regarding how to make an electronic fund transfer.

(5)   If any date or instruction transmitted via our web site are inaccurate or incomplete.

(6)   There may be other exceptions stated in our agreement with you.

South Georgia Bank shall not be responsible for the following incidents or errors:

Access: South Georgia Bank shall not be responsible for failure to provide access or for interruptions in access due to system failure or due to other unforeseen acts or circumstances.

Customer’s Computer Equipment or Software: South Georgia Bank shall not be responsible for any electronic virus or viruses that you may encounter. We encourage our customers to routinely scan their personal computer and diskettes using a reliable virus product to detect and remove any viruses. Undetected viruses may corrupt and destroy your programs, files, and even your hardware. Additionally, you may unintentionally transmit the virus to other computers.

9.  Error Resolutions: In case of Errors or Questions about Your Electronic Transfers, Call us at (912) 654-1051 or write to us at South Georgia Bank, PO Box 100, Glennville, Georgia 30427, as soon as you can, if you think your statement is wrong or if you need more information about a transfer listed on the statement. We must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared.

(1)   Tell us your name and account number (if any).

(2)   Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information.

(3)   Tell us the dollar amount of the suspected error.

If you tell us orally, we may require that you send us your complaint or question in writing within 10 business days.

We will determine whether an error occurred within 10 business days (20 business days if the transfer involved a new account) after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days (90 days if the transfer involved a new account, or a foreign-initiated transfer) to investigate your complain or question. If we decide to do this, we will credit your account within 10 business days (20 business days if the transfer involved a new account) for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within 10 business days, we may not credit your account. An account is considered a new account for 30 days after the first deposit is made, if you are a new customer.

We will tell you the results within three business days after completing our investigation. If we decided that there was no error, we will send you a written explanation.

You may ask for copies of the documents that we used in our investigation.

Electronic Notice: By Customer’s consent to this Agreement, Customer consents that South Georgia Bank may send notices by electronic mail (E-mail). Customer may use E-mail to contact South Georgia Bank about inquiries, maintenance, and/or some problem resolution issues. Customer understands that E-mail may not be a secure method of communication. South Georgia Bank recommends that no confidential, personal or financial information be sent by E-mail. There may be times when you may need to speak with someone immediately, especially to report a lost or stolen PIN. In these cases, do not use E-mail. Instead, call South Georgia Bank’s office at (912) 654-1051. The lobby is open Monday through Wednesday form 9:00 AM to 4:00 PM, Thursday 9:00 AM to 12:00 PM, Friday 9:00 AM to 6:00 PM. The drive thru is open daily from 8:30 am to 12:00pm.

Terms and Conditions for Mobile Banking (Mobiliti)

Thank you for choosing South Georgia Bank Mobile Banking combined with your handheld’s text messaging capabilities. Message & Data rates may apply. For help, text “HELP” to 99588. To cancel, text “STOP” to 99588 at anytime. In case of questions please contact customer service at 912-654-1051 or visit www.southgabank.com.

Terms and Conditions

Program: South Georgia Bank offers their customers mobile access to their account information (e.g. for checking balances and last transactions) over SMS, as well as the option to set up alerts for their accounts (e.g. low banlance alerts). Enrollment requires identification of the users banking relationship as well as providing a mobile phone numbers. The mobile phone numbers verification is done by the user receiving an SMS message with a verification code which they will have to enter on the website. Additionally, customers may select the type of alerts and others preferences which will determine, toether with their account data, the frequency of alerts delivered to the customer. This program will be ongoing. Message & Data rates may apply. Customers will be allowed to opt out of this program at any time.

Questions: You can contact us at 912-654-1051, or send a text message with the word “HELP” to this number 99588. We can answer any question you have about the program.

Ownership of Website: The content, information and offerings on our website are owned by South Georgia Bank, and the unauthorized use, reproduction, linking or distribution of any portions are strictly prohibited.

Other Sites: This site may contain links to other sites on the Internet. These would be provided for your convenience. Links to another site do not constitute South Georgia Bank’s approval or endorsement of that site or its products or advertisements.

Amendments: From time to time, we may amend any part of this Agreement, including our fee structure. We will provide you with advance notice of changes in Fees and Charges, or if otherwise required by law. In other cases, we may provide you with notice either before or after the change.

Amendments/ Termination: South Georgia Bank has the right to modify or terminate this Agreement at any time. We will comply with any notice requirements under applicable law for such changes or termination.

Entire Agreement: This Agreement supplements any other agreements or disclosures related to your account(s), including the Deposit Account Agreement and Disclosures. If there is a conflict between this Agreement and any others, or any statements made by employees or agents, this agreement shall supersede.