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Personal Checking

Everyone has different financial goals.  We offer a variety of personal checking accounts, each with features and options specific to your needs.  Besides their individual benefits, each Northeast Georgia Bank checking account includes the following at no charge:

  • Online Banking and Bill Pay
  • Electronic Banking-Mobile Banking
  • ATM access to your account at convenient STAR network locations worldwide
  • MasterMoney® ATM/Debit Card
  • Xpress Banking, our 24-hour telephone banking service
  • Direct Deposit for payroll and government payments
  • Automatic transfers for loan payments
  • Check images returned in statements
Our basic checking account is a great banking tool that offers multiple ways to avoid the monthly service charge. ​
  • $100 minimum to open  
  • $5 monthly minimum balance fee plus $0.25 per debit transaction (excluding ATM and debit card transactions); can be avoided with one of the following:
    • $500 minimum balance
    • Direct Deposit
    • eStatements
Enjoy a checking account that provides a number of valuable added features, all for one flat fee. ​

  • $100 minimum to open
  • $6 monthly service fee
  • Free wallet-style personalized checks on select styles
  • No-fee money orders and official checks
Get all the benefits of Northeast Georgia Bank checking plus interest.​

  • $1,000 minimum balance to open
  • $1,000 minimum average daily balance to earn interest
  • $6 monthly minimum balance fee plus $0.25 per debit transaction (excluding ATM and debit card transactions); can be avoided with a $1,000 minimum balance​
If you are age 50 or better, our interest-bearing Gold Club checking was created just for you. ​

  • $100 minimum to open
  • No monthly service fee
  • Earns interest
  • First order of 50 checks at no charge
  • No-fee money orders and official checks
We offer this no-fee account to students.​

  • $100 minimum to open
  • No monthly service fee
We designed this interest-bearing account exclusively for school system employees with Direct Deposit.

  • $100 minimum to open
  • No monthly service fee
  • Earns interest
  • One order of checks per year at no charge on select styles
With a Northeast Georgia Bank MasterMoney® debit card, you can withdraw funds from your checking account or make purchases without writing a check. It’s secure, convenient and honored wherever MasterCard is accepted.


  • If you believe your card number has been used for fraudulent purchases, or to report a lost or stolen debit card, please contact your nearest Northeast Georgia Bank branch during business hours. After hours, please call 888-297-3416.
  • Traveling? To prevent any inconvenience related to fraud prevention features on your debit card, please contact us during normal business hours with travel dates if you will be traveling out of state or outside the US. Enjoy your trip!