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
Our Checking Accounts* are designed to meet the needs of our customers – find the one that is your perfect fit! All personal checking accounts allow access to your account by paper checks, debit cards, Internet Banking and the ATM. For more information on any of these accounts, please contact a customer service representative at any of our convenient locations.
| Personal Checking | CORE Checking | Flat Fee Checking | Student Checking | Senior Checking +Interest | Money Market Personal | |
|---|---|---|---|---|---|---|
Minimum Opening Deposit | Personal Checking $50.00 | CORE Checking $25.00 | Flat Fee Checking $50.00 | Student Checking $50.00 | Senior Checking +Interest $50.00 | Money Market Personal $50.00 |
Minimum Balance
| Personal Checking $500.00 | CORE Checking X | Flat Fee Checking X | Student Checking X | Senior Checking +Interest X | Money Market Personal $2,500.00 or more |
Monthly Maintenance Fee | Personal Checking $5.00 maintenance fee plus $0.20 per withdrawala | CORE Checking $10.00b
| Flat Fee Checking $10.00 unlimited checks p/m | Student Checking X c
| Senior Checking +Interest X | Money Market Personal $5.00a
|
Free Debit/ATM Card | Personal Checking yes | CORE Checking yes | Flat Fee Checking yes | Student Checking yes | Senior Checking +Interest yes | Money Market Personal yes |
Free Digital Banking | Personal Checking yes | CORE Checking yes | Flat Fee Checking yes | Student Checking yes | Senior Checking +Interest yes | Money Market Personal yes |
Free Online Bill Pay | Personal Checking yes | CORE Checking yes | Flat Fee Checking yes | Student Checking yes | Senior Checking +Interest yes | Money Market Personal yes |
Free Mobile Banking | Personal Checking yes | CORE Checking yes | Flat Fee Checking yes | Student Checking yes | Senior Checking +Interest yes | Money Market Personal yes |
TeleBanking | Personal Checking yes | CORE Checking yes | Flat Fee Checking yes | Student Checking yes | Senior Checking +Interest yes | Money Market Personal yes |
Free e-Statements | Personal Checking yes | CORE Checking yes | Flat Fee Checking yes | Student Checking yes | Senior Checking +Interest yes | Money Market Personal yes |
Interest Earned | Personal Checking X | CORE Checking X | Flat Fee Checking X | Student Checking X | Senior Checking +Interest yes | Money Market Personal yes |
Age/Status Parameter | Personal Checking X | CORE Checking X | Flat Fee Checking X | Student Checking yes d | Senior Checking +Interest yes e | Money Market Personal X |
Text Banking | Personal Checking yes | CORE Checking yes | Flat Fee Checking yes | Student Checking yes | Senior Checking +Interest yes | Money Market Personal yes |
| Personal Checking |
|---|
| Minimum Opening Deposit$50.00 |
| Minimum Balance $500.00 |
| Monthly Maintenance Fee$5.00 maintenance fee plus $0.20 per withdrawala |
| Free Debit/ATM Card[icon-yes] |
| Free Digital Banking[icon-yes] |
| Free Online Bill Pay[icon-yes] |
| Free Mobile Banking[icon-yes] |
| TeleBanking[icon-yes] |
| Free e-Statements[icon-yes] |
| Interest EarnedX |
| Age/Status ParameterX |
| Text Banking[icon-yes] |
| CORE Checking |
| Minimum Opening Deposit$25.00 |
| Minimum Balance X |
| Monthly Maintenance Fee$10.00b |
| Free Debit/ATM Card[icon-yes] |
| Free Digital Banking[icon-yes] |
| Free Online Bill Pay[icon-yes] |
| Free Mobile Banking[icon-yes] |
| TeleBanking[icon-yes] |
| Free e-Statements[icon-yes] |
| Interest EarnedX |
| Age/Status ParameterX |
| Text Banking[icon-yes] |
| Flat Fee Checking |
| Minimum Opening Deposit$50.00 |
| Minimum Balance X |
| Monthly Maintenance Fee$10.00 unlimited checks p/m |
| Free Debit/ATM Card[icon-yes] |
| Free Digital Banking[icon-yes] |
| Free Online Bill Pay[icon-yes] |
| Free Mobile Banking[icon-yes] |
| TeleBanking[icon-yes] |
| Free e-Statements[icon-yes] |
| Interest EarnedX |
| Age/Status ParameterX |
| Text Banking[icon-yes] |
| Student Checking |
| Minimum Opening Deposit$50.00 |
| Minimum Balance X |
| Monthly Maintenance FeeX c |
| Free Debit/ATM Card[icon-yes] |
| Free Digital Banking[icon-yes] |
| Free Online Bill Pay[icon-yes] |
| Free Mobile Banking[icon-yes] |
| TeleBanking[icon-yes] |
| Free e-Statements[icon-yes] |
| Interest EarnedX |
| Age/Status Parameter[icon-yes] d |
| Text Banking[icon-yes] |
| Senior Checking +Interest |
| Minimum Opening Deposit$50.00 |
| Minimum Balance X |
| Monthly Maintenance FeeX |
| Free Debit/ATM Card[icon-yes] |
| Free Digital Banking[icon-yes] |
| Free Online Bill Pay[icon-yes] |
| Free Mobile Banking[icon-yes] |
| TeleBanking[icon-yes] |
| Free e-Statements[icon-yes] |
| Interest Earned[icon-yes] |
| Age/Status Parameter[icon-yes] e |
| Text Banking[icon-yes] |
| Money Market Personal |
| Minimum Opening Deposit$50.00 |
| Minimum Balance $2,500.00 or more |
| Monthly Maintenance Fee$5.00a |
| Free Debit/ATM Card[icon-yes] |
| Free Digital Banking[icon-yes] |
| Free Online Bill Pay[icon-yes] |
| Free Mobile Banking[icon-yes] |
| TeleBanking[icon-yes] |
| Free e-Statements[icon-yes] |
| Interest Earned[icon-yes] |
| Age/Status ParameterX |
| Text Banking[icon-yes] |
a Waived with minimum balance.
b Waived with e-statement enrollment or 25+ debit card transactions p/statement cycle.
c Waived until the age of 23.
d Waived for full-time student, ages 13-22.
e Waived for 62 and older.
We’re excited to help you get started! Review the account overview chart to choose the best option for your needs, then stop by your nearest banking center today – we’ll take care of the rest. Our team is ready to assist you in person
South Georgia Banking Company offers a variety of interest-bearing savings accounts to enable customers to save and have easy access to their money. Saving for the future is easy with automatic transfers from your checking to your Savings Account*. Click here to learn more about our current rates.
A great way to start building your financial future, our Savings Account makes it easy to set money aside while earning interest. Open your account with as little as $50 and enjoy the flexibility of six free withdrawals per quarterly statement period—additional withdrawals are just $2.50 each.
Check out our current rates, click here.
Looking for a way to earn even more on your savings? A Certificate of Deposit (CD) offers a higher interest rate than a standard savings account, making it a smart choice for those who want to grow their money over time. Lock in a great rate with South Georgia Banking Company and start earning today!
Note: A penalty may apply for early withdrawal.
Planning for retirement starts today, and South Georgia Banking Company is here to help you build a secure future. Our Individual Retirement Accounts (IRAs) offer a safe and dependable way to grow your savings with tax advantages to help you maximize your earnings over time.
Choose the IRA That Fits Your Goals:
Whether you’re just starting your retirement journey or looking to roll over existing funds, our team is here to guide you through the process. Grow your savings with competitive interest rates and the peace of mind that comes with banking locally, ask your local SGBC customer service representative about IRAs today.
*All checking and savings accounts are subject to approval.
At South Georgia Banking Company, we believe financing should be personal. Whether you’re buying a car, making home improvements, or purchasing a house, our local lenders are here to guide you every step of the way. With flexible terms, competitive rates, and decisions made right here in your community, we make borrowing simple and straightforward.
If you would like more information about our Personal Loans & Mortgages** please don’t hesitate to reach out. Our team is ready to assist you with any inquiries you may have. Call us at 877.482.4211
From auto loans to personal expenses, we offer both installment loans and single-pay loans to fit your needs.
At South Georgia Banking Company, we provide innovative financial solutions to meet your needs. We partnered with Quilo to offer quick and convenient personal loans through a fully online platform. Whether qualified applicants use funds for a major purchase, consolidating debt, or covering unexpected expenses, Quilo makes the process seamless and efficient.
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!
Buying a home is one of life’s biggest decisions, and we’re here to help. Our mortgage specialists will guide you through the process, helping you find a loan that fits your budget and goals.
A Home Equity Line of Credit (HELOC) lets you borrow against the equity in your home, giving you flexible access to funds when you need them. HELOC provides a revolving line of credit with the freedom to borrow and repay as needed.
**All lending subject to credit approval
Select your financial calculator below to begin.
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The date you have entered is invalid!
The amount of time is too large to compute!
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Percentages cannot exceed 100
How long you plan to keep the property must be less than or equal to the new loan term
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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.