Checking Accounts

Personal Checking

Personal Checking

South Georgia Bank offers checking plans that meet the individual needs of our customers. The minimum deposit to open is $100.00.

Personal Account Preferred Checking

Service Charge Based On Minimum Balance

With Minimum Balance of $100.00 No Service Charge
With Balance Below $100.00 $4.00/month
Unlimited Check Transactions
Unlimited use of SGB ATMs and Internet Banking​
Low cost personalized checks

Personal Account Prestige Checking

Flat monthly fee $6.00
First 75 Transactions FREE
Each Additional Transaction $.30
No Minimum Balance
Personalized Wallet Blue Checks FREE
Cashier's Checks Issue Charge FREE

Personal Account Senior Prestige Checking

Age 55 or Older
No Service Charge on Checking
No Minimum Balance
Personalized Wallet Blue Checks FREE
Cashiers Checks Issue Charge FREE

Now-Personal Account & Now-Non Personal Account With Interest

Service Charge Based On Minimum Balance

With Minimum Balance of $1,500.00 No Service Charge
With Balance of $1,000.00 - $1,499.99 $5.00 / month plus .30 per item
With Balance of $0.00 - $999.99 $7.00 / month plus .30 per item
Interest Paid on Ledger Balances
Rate Subject to Change
Cashiers Checks Issue Charge $3.00

MMDA Personal Account

Service Charge Based on Minimum Balance
$1,000.00 and Above No Base Charge
With Minimum Balance of $0.00 - $999.99 $7.00 / month
3 Items Free / Thereafter $5.00 per item
Interest Paid on Ledger Balances
Rate Subject to Change
Cashiers Checks Issue Charge $3.00

Commercial Checking

Commercial Checking

Service Charge Based on Minimum Balance
$5,000.00 and above No Base Charge
$ 500.00 - $4,999.00 No Base Charge
50 Items Free / Thereafter .08 per Item
$ 0.00 - $$499.00 Base Charge $5.00
10 Items Free / Thereafter .08 per Item
Cashiers Check’s Issue Charge $3.00

Debit Cards

South Georgia Bank offers business Debit Cards and personal Debit Cards for our account holders. Both Debit Cards allow you to access your checking account 24-hours a day and make purchases without the need for cash or checks. The Visa Debit Card provides a safe and convenient way to access your funds.

  • Use your Visa Debit Card everywhere that Visa Debit Cards are accepted.
  • Use your card in an automated teller machine (ATM) to check your current balance, withdraw cash, transfer funds, and more.
  • Use your card for local or online purchases
  • Funds are directly deducted from your checking account.
  • Transactions are signature or PIN based.
  • Each month, your bank statement will list all transaction activity on your Visa Debit Card.
  • INTERNATIONAL TRANASACTION FEES  Any time you use your South Georgia Bank debit card outside the U.S., you will be charged an ISA (International Assessment Service) fee.  This includes purchases, cash withdrawals, cash advances and credits to your account.  This is a Visa-mandated fee for ATM and POS transactions performed outside of the U.S.  When a merchant runs the transaction in local currency (or you withdraw money in local currency at an ATM), the transaction will post to your account in U.S. Dollars and you will be charged a 1% ISA fee.  If the transaction is in the U.S. dollars, you will be charged an ISA fee of 0.8% of the transaction amount.

TO REPORT A LOST, STOLEN, OR UNAUTHORIZED USE OF YOUR DEBIT CARD, PLEASE CONTACT SOUTH GEORGIA BANK-BOOKKEEPING DEPARTMENT (912) 654-1051 OR 1-800-554-8969

Traveling

Be sure to contact Bookkeeping at (912) 654-1051, if you will be traveling, to ensure no interrupted use of your Visa Debit Card.

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, (912) 739-2265, (912) 557-3372, (912) 408-2265, or toll free 866-540-1842 to find out account balances, checking information, to transfer funds or to have a copy of your statement faxed to you.

Check Ordering

Harland Clarke is providing a service on behalf of South Georgia Bank. Please take note of the following important information:

  • If your name or address has changed since your previous check order, and you have not already done so, please notify South Georgia Bank.
  • If ordering directly from Harland Clarke and your name or address has changed since your previous check order please call 1-800-275-1053 before placing your order.
  • Your account will be debited for purchases after you have placed your order. If you get “Free” standard checks from South Georgia Bank please do not order through this website. Your account will be charged by Harland Clarke. Contact the bank to place your order.

Order Checks Here

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