Checking Accounts

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

Secure Benefits Account

Service Charge $6.00  
With Daily Balance $10,000 and above No Service Charge
Interest Paid on ledger Balances  
Rate Subject to Change  
*Plus Additional Benefits  

SGB Basic Checking

With Minimum Daily Balance of $250.00 No Service Charge
With daily balance Below $250.00 $4.00/month Service Charge
   
   

Senior Benefits Account

Age 55 or Older  
No Monthly Service Charge  
No Minimum Daily Balance  
*Plus Additional Benefits  

Now-Personal Account

Now Non-Personal Account

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

MMDA Personal Account

MMDA Non Personal Account

$1,000.00 Daily Balance and Above No Service Charge
With Minimum Daily Balance of $0.00 - $999.99 $7.00 / month
3 Debits Free / Thereafter $5.00 per item  
Interest Paid on Ledger Balances  
Rate Subject to Change  

Commercial Account

Service Charge Based on Minimum Daily Balance  
$5,000.00 and above No Service Charge
$1,000.00 - $4,999.99 No Service Charge
  50 Debits Free / Thereafter .08 per Item
$ 0.00 - $999.99 $6.50 Service Charge
  10 Debits Free / Thereafter .08 per Item
   
Legal Entity Information

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.
  • Anytime you use an ATM that is not a South Georgia Bank ATM your account will be assessed a $1.00 foreign ATM charge.

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

Main Street is our third party vendor providing checks 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 Main Street and your name or address has changed since your previous check order, please call (708) 613-2447 before placing your order.
  • Your account will be debited for purchases after you have placed your order. If you qualify for “Free” standard checks from South Georgia Bank, please do not order through this website. Your account will be charged by Main Street. 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