Personal Checking
Regular Checking
- Minimum balance = $500.00 – No Service Charge
- Minimum balance < $500.00 – Service Charge = $5.00 per month plus $.25 per debit transaction excluding ATM and POS debits.
- There is no service charge with Direct Deposit
Flat Charge Checking
- Unlimited checks
- Free money orders, official checks, travelers checks, personalized checks
- Flat $6.00 per month
- Bank provides wallet style checks
- Minimum balance of $1,000 required to avoid monthly service charge and earn interest
- Service charge is $6.00 per month plus $.25 per debit transaction excluding ATM and POS debits.
- Pays a variable rate of interest
- Unlimited check writing
Money Market
- Variable rate of interest on collected balance
- Minimum balance of $2,500 required to avoid service charge and earn interest
- Minimum balance of Less than $2,500 will incur a service charge of $10.00.
- Limited check writing
- Only six (6) transfers (including telephone transfers) are permitted per month
- Excessive transfers cost $2.00 each per statement cycle
Gold Club
- Available to persons 50 and better
- First 50 checks free
- Free money orders, and travelers checks
- Variable rate Interest Checking Account
Student Checking
- Student account pays no interest
- Customers required to tell when graduating
- Customer pays for checks
- No service charge
- For Individuals employed by school systems with direct deposit
- No service charge
- Pays a variable rate of interest
- One free order of checks (200) per year
- Unlimted Check writing
- Free Internet bill payment services
Business Checking Accounts
Small Business- $5.00 maintenance fee and $.25 per check with a $.10 credit for each
- $100.00 collected balance maintained.
Flat Business
- This account has a $4.75 month service charge
- No minimum balance
- Less than 100 debit items per month
Business Analysis
- These accounts are handled on an analysis basis
- The following charges apply:
| Account Maintenance | $10.00 |
| Items Deposited | $.10 |
| Deposits Posted | $.50 |
| Debits Posted | $.15 |
| Night Deposit Bags Worked (avg) | $1.00 |
| Statement Copy | $2.00 |
This account is given an earnings credit which is calculated on the average collected balance for the statement cycle. The earnings credit (based on the 91 day CD rate) is subtracted from the above service charges to arrive at the net service charge to the customer. If the earnings credit exceeds the total of the above service charges, the customer’s net service charge for the period is zero.
Savings, CDs, and IRAs
It is always smart to save money, and Northeast Georgia Bank has several traditional savings options available to you. Our variable and fixed rate accounts will help you reach your financial goals with the maximum earnings and safety with FDIC insurance. Please see any of our Customer Service Representatives for full disclosures to discuss your savings and time accountsRegular Savings- $50.00 to open; $100.00 to earn interest
Money Market Accounts - $2,500.00 minimum to open
* Certificate of Deposits – many and various available
^^* Individual Retirement Accounts – Roth Accounts and SEP Accounts
* A penalty will or may be imposed if there is an early withdrawal from this account ^^ Rates may change after account is opened
Checking Accounts
Northeast Georgia Bank offers many accounts for individuals and businesses.These different accounts are designed to meet your specific needs.Our customer service representatives can give you complete disclosures on any of these accounts and the cost involved with each.Additional checking Account Features:
ATM Convenient locations/worldwide access MasterMoney ATM/Debit Card Gold Club Available to persons ages 50 years and older Xpress Banking 24 Hour Account Information Line Direct Deposit Government and Payroll Checks Automatic Transfers for Loan Payments
NGB Checking Account Grid
Student Checking
Flat Charge Checking
Regular Checking
Gold Club
Now Account
Money Market
What is my Monthly Service Charge?
None
$6.00
$5.00 plus $.025 per debit
None
$6.00 plus $0.25 per debit
$10.00
What is the Minimum Amount to Open?
$100.00
$100.00
$100.00
$100.00
$1000.00
$2500.00
What is My Minimum Daily Balance to Avoid a Service Charge?
None
None
$500.00
None
$1,000.00
$2,500.00
How Many Checks May I Write?
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited in Person; 6 Third Party Checks
Do I Earn Interest?
No
No
No
Yes
Yes
Yes
Is There a Check Card/ATM Card Fee?
$5.00 fee to replace card
$5.00 fee to replace card
$5.00 fee to replace card
$5.00 fee to replace card
$5.00 fee to replace card
$5.00 fee to replace card
How Many Check Card Transactions do I Get?
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
6 withdrawals
What Other Benefits Do I Receive?
24 Hour Telephone Banking
Free Money Orders, officials and travelers checks and personalized checks
24 Hour Telephone Banking
Free Money Orders, and travelers checks, first 50 checks, 25% discount on SDB rent
24 Hour Telephone Banking
24 Hour Telephone Banking
Do I Receive My checks Back:
No
No
No
No
No No
Age Restrictions?
None
None
None
50 and Older
None
None
Home Mortgages
Let Northeast Georgia Bank’s professional mortgage lenders help in building the home of your dreams.Northeast Georgia Bank has several options available to you, whether building a new home, buying an existing home, or purchasing land for future construction.We can even help in refinancing an existing mortgage.- Construction Permanent Loans
- Land Acquisition loans
- Flexible Term Mortgage Loans
- Home Equity Loans
- Second Mortgages
- Fixed Rate Mortgages – short and long term
- Adjustable Rate Mortgages (ARMs)
For full disclosure information talk with one of our mortgage lenders today.
Loan Services
Northeast Georgia Bank is proud to have experienced loan officers helping our customers find the type of loan that’s right for them.We offer all types of consumer and business loans.- Auto loans – new and used
- Personal Loans
- Boat Loans – new or used
- Home Improvement Loans
- Second Mortgage Loans
- Agricultural Loans
- Business Loans
- Home Equity Loans
- Loans on CDs/Savings
NGB Extras Just For You
Northeast Georgia Bank strives to offer you, our customers, a wide variety of extra services to help meet your financial needs.The extra services available include the following:- 24 hour access to ATMs worldwide
- Automatic Drafts
- Bank-by-Mail
- Bank Money Orders
- Cashiers Checks
- Direct Deposit of Government and Payroll Checks
- Extended SuperMarket Hours
- MasterMoney/Debit Card
- Night Depository
- Notary Services
- Safe Deposit Boxes
- Travelers Checks
- U.S. Savings Bonds
- Wire Transfer Services
- 24 hour X-Press Banking
- Internet Banking and Bill Pay Services
