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Lakeland • Nashville • Homerville • Valdosta • Conyers

Personal Savings Accounts


Regular Savings Account

  • Minimum Balance to Open - $50.00
  • Minimum Balance Fee of $2.00 will be charged if the daily balance falls below $50.00 any day of the statement cycle.
  • Interest on your account will be compounded and credited quarterly.
  • You must maintain a minimum daily balance of $50.00 in the account for each day in the statement cycle to obtain the annual percentage yield.
  • We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.
  • Interest begins to accrue on the business day that you deposit non-cash items (for example, checks).
  • During any calendar month or statement cycle of at least 4 weeks, you may not make more than six (6) withdrawals or transfers to another account of yours or to a third party by means of a pre-authorized or automatic transfer or telephonic (including data transmissions) agreement, order or instruction, or by check, draft, debit card, or similar order made by the depositor to third parties. 
  • Note: If you receive your savings statement quarterly, you may make six (6) debit transactions free. If you receive your savings statement monthly, you may make two (2) debit transaction free.
  • A debit item charge of $1.00 will be imposed for each withdrawal in excess.
  • If you close your account before interest is credited, you will not receive the accrued interest.
  • $10.00 service charge to close account if opened less than six (6) months.
  • Customers with savings accounts must maintain a $50.00 minimum balance to avoid check cashing fees.







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