• No minimum balance
• No monthly service charge
• No per check charge
• Unlimited check writing
• Monthly statement
• Return of check images for easy record keeping
• FREE Internet B@nking
• FREE Bill P@y 
• FREE Debit Card
• Plus a FREE gift at account opening

• Competitive interest
• No minimum balance
• No monthly service charge
• No per check charge
• Unlimited check writing
• Monthly statement
• Return of check images for easy record keeping
• FREE ATM withdrawals anywhere
• FREE Internet B@nking
• FREE Bill P@y 
• FREE Debit Card
• Plus a FREE gift at account opening

• Competitive interest
• No minimum balance
• No monthly service charge
• No per check charge
• Unlimited check writing
• Monthly statement
• Return of check images for easy record keeping
• FREE ATM withdrawals anywhere
• FREE Internet B@nking
• FREE Bill P@y 
• FREE Debit Card
• Plus a FREE gift at account opening

• Earn preferred rates on higher balances
• No per check charge
• Unlimited check writing
• Monthly statement
• Return of check images for easy record keeping
• FREE ATM withdrawals anywhere  
• FREE Internet B@nking
• FREE Bill P@y 
• FREE Debit Card
• Only $8 monthly charge if minimum balance falls below $1,000
• Plus a FREE gift at account opening 

• Competitive interest
• No per check charge
• Unlimited check writing
• Monthly statement
• Return of check images for easy record keeping
• FREE Internet B@nking
• FREE Bill P@y 
• FREE Debit Card
• Only $6 monthly charge if minimum balance falls below $400
• Plus a FREE gift at account opening

• Competitive interest
• No minimum balance
• No monthly service charge
• Monthly statement
• Return of check images for easy record keeping
• FREE Internet B@nking
• FREE Bill P@y 
• FREE Debit Card
• Only 20¢ per check
• Plus a FREE gift at account opening

• FREE "Exclusive" wallet style checks
• Competitive interest
• No minimum balance
• No per check charge
• Unlimited check writing
• Monthly statement
• Return of check images for easy record keeping
• FREE Internet B@nking
• FREE Bill P@y 
• FREE Debit Card
• All for only $4 per month
• Plus a FREE gift at account opening

Offer good on personal accounts only; business and corporate accounts do not qualify for these plans. Bank rules and regulations apply.

Minimum opening deposit is only $50. Ask us for details.

Additional Terms: In the normal course of business we pay electronic transactions first and then checks beginning with the largest to the smallest after priority payments which include items cashed in the branch, ATM/POS transactions and ACH items. We reserve right to change this order of payment without notice to you if we suspect fraud or possible illegal activity affecting your account. Also, please be aware the order of payment of items may create multiple overdrafts during a single banking day for which you will be charged our standard Overdraft Paid Item fee and/or Returned Item fee for each overdraft whether paid or returned.

Balance Computation Method: 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.

Compounding and Crediting Frequency: Interest will be compounded daily and credited monthly to your account.

Accrual of interest on noncash deposits: Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks).

Effect of Closing an Account: If you close your account before interest is credited, you will not receive the accrued interest for that statement cycle.

ATM Transactions: When you use an ATM not owned by Southern Bank & Trust and Georgia Bank & Trust, you may be charged a fee by the ATM operator or network used, and you may be charged a fee for a balance inquiry even if you do not complete a fund transfer.

Dormant Accounts: An account is considered dormant if it has been inactive, with no customer generated activity, for either five years for savings accounts or one year for other deposit accounts.