Privacy Statement

Facts

What does South Georgia Bank do with your personal information?

Why?

Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.

What?

The types of personal information we collect and share depend on the product or service you have with us. This information can include:

  • Social Security number and income
  • Account balances and payment history
  • Credit history and credit scores

When you are no longer our customer, we continue to share your information as described in this notice.

How?

All financial companies need to share customers' personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers' personal information; the reasons South Georgia Bank chooses to share; and whether you can limit this sharing.

WHAT WE DO

HOW DOES SOUTH GEORGIA BANK PROTECT MY PERSONAL INFORMATION?
  • To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.
  • We limit access to non public personal information about you to only those employees who need to know that information to provide service to you.
HOW DOES SOUTH GEORGIA BANK COLLECT MY PERSONAL INFORMATION?
    We collect your personal information, for example when you,
          • Open an account
          • Apply for a loan
          • Deposit money
          • Use your credit or debit card
          • Pay your bills
      We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.
        WHY CAN'T I LIMIT ALL SHARING?
          Federal law gives you the right to limit only
          • sharing for affiliates' everyday business purposes-information about your creditworthiness
          • affiliates from using your information to market to you
          • sharing for nonaffiliates to market to you
        • State laws and individual companies may give you additional rights to limit sharing.
        • Reasons we can share your personal information

          Does South Georgia Bank share?

          Can you limit this sharing?

          For our everyday purposes - such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus

          Yes

          No

          For our marketing purposes - to offer our products and services to you

          No

          We don't share

          For joint marketing with other financial companies

          No

          We don't share

          For our affiliates' everyday business purposes - information about your transactions and experiences

          No

          We don't share

          For our affiliates' everyday business purposes - information about your creditworthiness

          No

          We don't share

          For nonaffiliates to market to you

          No

          We don't share

          Definitions

          Affiliates

          Companies related by common ownership or control. They can be financial and non financial companies.

          • South Group Bancshares, Inc. is the holding company for South Georgia Bank. There are no other affiliates that control this institution.
          • South Georgia Bank does not share with our affiliates.

          Non affiliates

          Companies not related by common ownership or control. They can be financial and non financial companies.

          • South Georgia Bank does not share with nonaffiliates so they can market you.

          Joint Marketing

          A formal agreement between nonaffiliated financial companies that together market financial products or services to you.

          • South Georgia Bank does not jointly market.

          Other Important Information

          We may report information about your account to credit bureaus, late payments, missed payments or other defaults on your account may be reflected in your credit report. This notification meets the notification requirements of the joint regulatory agencies fund rules on privacy of consumer information. Section 501(b) of the GLB Act. Privacy and Security tips to prevent Identity Theft: Never give your Social Security number or personal credit information over the phone or the internet unless you initiate the communication. Do not write your password down with your account information. Report unusual telephone or e-mail inquiries to your telephone company or local law enforcement authorities. Annually review your credit report. Three national agencies are: Experian - www.experian.com; Equifax - www.equifax.com 1-800-685-1111; TransUnion - www.transunion.com 1-877-322-8228. Identity stolen visit http://www.consumer.gov/idtheft sponsored by the Federal Trade Commission.

          Questions?

          Call 912-654-1051

          Services & Perks

          Mortgage Loans

          Let South Georgia Bank help you make your dream of owning a home come true with a mortgage loan tailored just for you.

          Repo List

          Real Estate & Automobiles. Inventory changes regularly.

          Mobile Banking

          With South Georgia Bank’s Mobiliti banking you can access your accounts remotely with your Cell phone or other mobile access device.

          Visa Check Card

          South Georgia Bank offers business Debit Cards for our commercial accounts as well as personal Debit cards.

          How may we help you?

          We're here to serve you.

          Please feel free to contact any of our convenient locations with questions or comments.

          Glennville Office: (912) 654-1051
          Claxton Office: (912) 739-0400
          Reidsville Office: (912) 557-1051
          Hinesville Office: (912) 408-1051

          For a lost or stolen Debit Card,
          please call 800-554-8969.

          Customer Service