Federal Deposit Insurance Corporation - FDIC-Insured - Backed by the full faith and credit of the U.S. Government
Federal Deposit Insurance Corporation - FDIC-Insured - Backed by the full faith and credit of the U.S. Government
We know it’s not just about managing your finances—it’s about strengthening your business and the community around you. Whether it’s minimal transactions or frequent deposits, South Georgia Banking Company offers business checking solutions designed to fit your needs.
| Business Checking | Money Market Business | Business Analysis | Business Interest Checking | |
|---|---|---|---|---|
Minimum Opening Deposit | Business Checking $50.00 | Money Market Business $50.00
| Business Analysis
$50.00
| Business Interest Checking
$50.00
|
Minimum Balance | Business Checking $1,000.00
| Money Market Business $2,500.00 or more
| Business Analysis
None
| Business Interest Checking
$1,000.00
|
Monthly Maintenance Fee
| Business Checking $5.00 maintenance fee plus $0.20 per withdrawalb
| Money Market Business $5.00a | Business Analysis
Charges Based on Activity | Business Interest Checking
$10.00a
|
Free MasterCard Debit Card
| Business Checking yes | Money Market Business yes | Business Analysis
yes | Business Interest Checking
yes |
Free Digital Banking
| Business Checking yes | Money Market Business yes | Business Analysis
yes | Business Interest Checking
yes |
Free Online Bill Pay3
| Business Checking yes | Money Market Business yes | Business Analysis
yes | Business Interest Checking
yes |
Free Mobile Deposits
| Business Checking yes | Money Market Business yes | Business Analysis
yes | Business Interest Checking
yes |
TeleBanking
| Business Checking yes | Money Market Business yes | Business Analysis
yes | Business Interest Checking
yes |
Free e-Statements
| Business Checking yes | Money Market Business yes | Business Analysis
yes | Business Interest Checking
yes |
Interest Earned
| Business Checking X | Money Market Business yes | Business Analysis
X | Business Interest Checking
yes |
Text Banking | Business Checking yes | Money Market Business yes | Business Analysis
yes | Business Interest Checking
yes |
| Business Checking |
|---|
| Minimum Opening Deposit$50.00 |
| Minimum Balance$1,000.00 |
| Monthly Maintenance Fee $5.00 maintenance fee plus $0.20 per withdrawalb |
| Free MasterCard Debit Card [icon-yes] |
| Free Digital Banking [icon-yes] |
| Free Online Bill Pay3 [icon-yes] |
| Free Mobile Deposits [icon-yes] |
| TeleBanking [icon-yes] |
| Free e-Statements [icon-yes] |
| Interest Earned X |
| Text Banking[icon-yes] |
| Money Market Business |
| Minimum Opening Deposit$50.00 |
| Minimum Balance$2,500.00 or more |
| Monthly Maintenance Fee $5.00a |
| Free MasterCard Debit Card [icon-yes] |
| Free Digital Banking [icon-yes] |
| Free Online Bill Pay3 [icon-yes] |
| Free Mobile Deposits [icon-yes] |
| TeleBanking [icon-yes] |
| Free e-Statements [icon-yes] |
| Interest Earned [icon-yes] |
| Text Banking[icon-yes] |
| Business Analysis |
| Minimum Opening Deposit$50.00 |
| Minimum BalanceNone |
| Monthly Maintenance Fee Charges Based on Activity |
| Free MasterCard Debit Card [icon-yes] |
| Free Digital Banking [icon-yes] |
| Free Online Bill Pay3 [icon-yes] |
| Free Mobile Deposits [icon-yes] |
| TeleBanking [icon-yes] |
| Free e-Statements [icon-yes] |
| Interest Earned X |
| Text Banking[icon-yes] |
| Business Interest Checking |
| Minimum Opening Deposit$50.00 |
| Minimum Balance$1,000.00 |
| Monthly Maintenance Fee $10.00a |
| Free MasterCard Debit Card [icon-yes] |
| Free Digital Banking [icon-yes] |
| Free Online Bill Pay3 [icon-yes] |
| Free Mobile Deposits [icon-yes] |
| TeleBanking [icon-yes] |
| Free e-Statements [icon-yes] |
| Interest Earned [icon-yes] |
| Text Banking[icon-yes] |
a Waived with minimum balance
b Waived with $1000.00 minimum balance
Opening a business checking account has never been easier! Simply review the account overview chart to find the best fit for your needs
South Georgia Banking Company offers a range of interest-bearing savings accounts designed to help businesses grow while keeping funds accessible. With automatic transfers from your business checking account, saving for future expenses or expansion is simple and convenient.
Click here to explore our current rates and find the right savings solution for your business.
Growing your business starts with smart financial planning, and our Business Savings Account helps you set money aside while earning interest. Open an account with as little as $50 and enjoy the flexibility of six free withdrawals per quarterly statement period, with additional withdrawals at just $2.50 each. Start saving today and build a stronger financial future for your business.
Find out more about our latest rates, click here.
Looking for a smarter way to build your business funds? A Certificate of Deposit (CD) offers higher interest rates than a standard savings account, making it a great option for business owners looking to earn more over time. Lock in a competitive rate with South Georgia Banking Company and put your money to work for your business today!
Note: A penalty may apply for early withdrawal.
South Georgia Banking Company offers Business Lending* solutions tailored to meet the unique needs of your business. Whether you’re looking to expand, manage cash flow, or invest in new equipment, our competitive rates and local decision-making make borrowing straightforward and dependable.
Give your business the financial flexibility to manage cash flow, cover unexpected expenses, and seize new opportunities. With competitive rates and fast, local decision-making, and a deep commitment to supporting our communities, SGBC is ready to invest in your success.
Key Benefits:
Small businesses are our specialty! Contact us today to learn more about an Operating Line of Credit that works for you.
We’re here to help your business grow with a strong financial foundation. Whether you’re looking to purchase, expand, or refinance commercial properties, our local lenders are dedicated to supporting your success. After all, when your business thrives, our community thrives too. Let’s build something great together and make your vision a reality!
Key Benefits:
Finance your commercial property with confidence! Contact us.
Purchase or upgrade the essential machinery and equipment your business needs to stay competitive and take your growth to the next level! With quick, local decision-making from lenders who truly understand your unique needs, we’re not just financing your business—we’re investing in the success of our community.
Key Benefits:
Power up your business with the right equipment – let’s talk about financing today! Contact us.
*All lending subject to credit approval.
With Lender Pay from South Georgia Banking Company, you can quickly and easily make your loan payments online—anytime, anywhere. Skip the bank trip and stay on top of your payments with just a few clicks!
We love Ag Lending because it fuels families, strengthens local economies, and preserves the future of farming in South Georgia. At SGBC, agriculture isn’t just a part of what we do—it’s a core piece of our success and an industry that positively impacts the entire region. Our experienced local lenders know South Georgia farming inside and out, and we’re here to help you navigate financing with expertise in government programs and customized solutions to meet your needs.
We believe in agriculture, we believe in our farmers, and we believe in helping you grow for generations to come. Let’s build your farm’s future—together. Contact us today to get started.
Select your financial calculator below to begin.
One or more of the fields is not filled out.
The date you have entered is invalid!
The amount of time is too large to compute!
The amount is too large to compute!
Percentages cannot exceed 100
How long you plan to keep the property must be less than or equal to the new loan term
Your down payment exceeds the home price
Refinancing at a lower rate has the potential to save you thousands of dollars in the long run. However, for refinancing to be worth it, the savings in interest must be greater than the fees (i.e. points, closing costs) involved with the refinancing process. The refinancing calculator will take these fees into consideration and tell you how much you could save (or lose) should you decide to refinance at a lower rate.
Given the information on your fixed rate mortgage, the fixed rate mortgage calculator will determine how much your mortgage payments will be.
A balloon mortgage consists of paying smaller amounts at first, and then paying the a large portion of the mortgage at one time. This will show you the amount needed for a mortgage with a balloon payment.
You can save a lot of money if you increase your monthly mortgage payment in order to pay it off faster. Find out how much you could save over the life of your loan.
Computes the most expensive house you can buy.
Factors in the costs and benefits of consolidating your debts to determine whats the financially best way to pay them off.
The monthly payment calculated factors in both the principal and interest. It does not factor in other mortgages costs such as annual property tax, HOA fees, PMI, etc.
These financial calculators are made available as tools for your independent use. We cannot and do not guarantee their accuracy or their applicability to your circumstances. We encourage you to seek advice from qualified professionals regarding personal finance issues.
Select your financial calculator below to begin.
One or more of the fields is not filled out.
The date you have entered is invalid!
The amount of time is too large to compute!
The amount is too large to compute!
Percentages cannot exceed 100
How long you plan to keep the property must be less than or equal to the new loan term
Your down payment exceeds the home price
Calculates the most expensive car you can afford.
Calculates a monthly savings amount in order to reach your college savings goal.
Computes how much money you will need to save each month in order to purchase something big.
Based on your financial details, the borrowing calculator determines how much money you can feasibly borrow and pay back.
Given loan information, determines the interest rate on that loan.
Determines the payment on a loan with a fixed rate.
This calculator helps you evaluate various strategies for paying off your debt. When one debt is paid off, the payment amount normally applied to that debt is made available for use against another debt. This is referred to as the rollover strategy. Add an additional monthly payment for debt reduction to accelerate the payoff.
The monthly payment calculated factors in both the principal and interest. It does not factor in other mortgages costs such as annual property tax, HOA fees, PMI, etc.
These financial calculators are made available as tools for your independent use. We cannot and do not guarantee their accuracy or their applicability to your circumstances. We encourage you to seek advice from qualified professionals regarding personal finance issues.
Select your financial calculator below to begin.
One or more of the fields is not filled out.
The date you have entered is invalid!
The amount of time is too large to compute!
The amount is too large to compute!
Percentages cannot exceed 100
How long you plan to keep the property must be less than or equal to the new loan term
Your down payment exceeds the home price
Which is better, a Traditional IRA or a Roth IRA? Traditional IRAs offer tax-deferred earnings and tax-deductible contributions. Roth IRAs offer tax-free earnings, but contributions are not deductible.
Use this calculator to compute the amount you can save in a tax-deferred Traditional IRA. Contributions to your Traditional IRA are usually tax deductible now, but you pay taxes when you withdraw the funds in retirement.
Use this calculator to compute the amount you can save in a Roth IRA where you pay taxes on your income now, but withdraw the funds tax-free in retirement. Because this is a Roth IRA, your contribution limit is after taxes and your effective contribution limit is higher than a Traditional IRA. This calculator allows you to enter your annual deposit amount in "Before Tax" dollars so that the after tax deposit amount is automatically computed for you.
Use this calculator to find out how long you can make recurring withdrawals of a specified amount from your savings account.
Use this calculator to find out what rate of return you would need to make recurring withdrawals of a specified amount from an account.
Use this calculator to find out how much money you must have in your savings account to make recurring withdrawals of a specified amount.
Use this calculator to compute how much you will be able to regularly withdraw from your savings account before you run out.
The monthly payment calculated factors in both the principal and interest. It does not factor in other mortgages costs such as annual property tax, HOA fees, PMI, etc.
These financial calculators are made available as tools for your independent use. We cannot and do not guarantee their accuracy or their applicability to your circumstances. We encourage you to seek advice from qualified professionals regarding personal finance issues.
Select your financial calculator below to begin.
One or more of the fields is not filled out.
The date you have entered is invalid!
The amount of time is too large to compute!
The amount is too large to compute!
Percentages cannot exceed 100
How long you plan to keep the property must be less than or equal to the new loan term
Your down payment exceeds the home price
This calculator computes the amount you can afford to lease.
This calculator computes the residual to satisfy a known payment amount, number of payments, lease rate, and lease amount.
This calculator computes the payment amount necessary to satisfy a known lease amount, lease rate, residual amount, and number of payments.
This calculator computes the lease rate based on a known payment amount, lease amount, residual amount, and lease term.
This calculator computes the amount you can afford to lease.
This calculator computes the residual to satisfy a known payment amount, number of payments, lease rate, and lease amount.
This calculator computes the payment amount necessary to satisfy a known lease amount, lease rate, residual amount, and number of payments
This calculator computes the payment amount necessary to satisfy a known lease amount, lease rate, residual amount, and number of payments.
The monthly payment calculated factors in both the principal and interest. It does not factor in other mortgages costs such as annual property tax, HOA fees, PMI, etc.
These financial calculators are made available as tools for your independent use. We cannot and do not guarantee their accuracy or their applicability to your circumstances. We encourage you to seek advice from qualified professionals regarding personal finance issues.