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

SGB Basic Checking

Senior Benefits Account

Now-Personal Account

Now Non-Personal Account

MMDA Personal Account

MMDA Non Personal Account

Commercial Account

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 (912) 654-1051 

Traveling

Be sure to contact us 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 toll free 1-833-423-0291 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.