Personal Checking

Regular Checking


Flat Charge Checking Now Account
Money Market
Gold Club
Student Checking Education Plus Checking Account

Business Checking Accounts

Small Business
Flat Business
Business Analysis
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 accounts
 
Regular 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

^^ 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. 

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. 

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: