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ATM Anywhere FREE Checking
No where else can you get a FREE checking account
plus FREE personalized checks for life plus FREE
access to more than 400,000 ATMs across the United
States. Also, you now receive your choice of one
of our two FREE gifts when you open your account.
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Minimum opening deposit |
$100.00 |
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Monthly maintenance fee |
None |
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Minimum balance
required |
None |
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FREE Gift at account opening |
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Unlimited check
writing |
FREE |
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Unlimited automatic refunds of other banks’
ATM charges* |
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Unlimited FREE
use of other banks’ ATMs |
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Personalized Checks (Bank Stock) |
FREE |
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Image or Online
Statements |
FREE |
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MasterMoney Debit Card |
FREE |
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ATM Card |
FREE |
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Internet Banking |
FREE |
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Online Bill Pay |
FREE |
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Discount on Installment Loan Rate with
Automatic |
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Debit from First
Bank Checking Account |
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*inside the U.S. only
High-Interest Checking
Earn interest on your account balance starting at just $500. Keep higher balances to earn higher rates of interest. Also enjoy free check reorders, a bonus on posted CD rates, and more. Please contact your local branch office for a list of current rates.
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Minimum opening deposit |
$100.00 |
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Higher Balances Earn Higher Rates of Interest |
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Free Personalized Bank Stock Checks,
Including Reorders |
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Unlimited Check Writing |
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Free Gift at Account Opening |
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Free Official Checks |
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Free Image or Online
Statements |
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Free ATM Card or Debit Card |
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Free Internet
Banking & Online Bill PayFree Personalized
Bank Stock Checks, Including Reorders |
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25% Discount on Safe Deposit Box Rates |
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Bonus on Posted
Certificate of Deposit Rates |
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Discount on
Installment Loan Rate with Automatic Debit
from First Bank Checking |
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Monthly Service
Charge of $10.00 if Balance Falls below
$1,000 |
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Club 50 Checking (CustomerFree Personalized Bank Stock Checks, Including Reorders Augusta area for customers age 50 or better. No
monthly maintenance fee, no minimum balance
requirements, and no charge for a host of other
popular services. All this and earned interest on
balances $500 or more. Also, you now receive your
choice of one of our two FREE gifts when you open
your account.
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Minimum opening deposit |
$100.00 |
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Interest earned on balances of $500 or more |
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Monthly maintenance fee |
None |
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Minimum balance required |
None |
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Unlimited check writing |
FREE |
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FREE Gift at Account Opening |
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Image or Online
Statements |
FREE |
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Personalized Checks (Bank Stock) |
FREE |
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Travelers Checks
(Single Signature) |
FREE |
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Official Checks |
FREE |
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MasterMoney
Debit Card |
FREE |
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ATM Card |
FREE |
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Internet Banking |
FREE |
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Online Bill Pay |
FREE |
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Bonus on Posted Certificate of Deposit (CD)
rates |
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25% Discount on Safe Deposit Box |
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Discount on
Installment Loan Rate with Automatic Debit
from First Bank Checking Account |
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Regular Savings
A basic account that serves the needs of most customers while paying a
competitive interest rate. A low minimum balance avoids any monthly
maintenance fees.
| Minimum opening
deposit |
$100.00 |
| Interest compounded
quarterly |
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| Monthly maintenance
fee if balance falls below $100 |
$3.00 |
| Quarterly image or
online statements |
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| Two free withdrawals
per month |
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| Each additional
withdrawal |
$3.00 |
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Children's Saving
Get your children started off right with this account created just for
them. No monthly maintenance fee, no minimum balance, and a low
minimum opening deposit.
| Minimum
opening deposit |
$5.00 |
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Minimum balance required |
None |
| Interest
compounded quarterly |
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| Two free
withdrawals per month |
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| Each
additional withdrawal |
$3.00 |
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24-Hour ATM Banking
| No charge
for use of First Bank ATM's |
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| Withdrawal
Fee when using other ATM's |
$1.00 |
| No monthly
fee for cards |
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Replacement fee for cards |
$3.00 |
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Master Money Debit Card
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No charge for use of First Bank ATM's |
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Withdrawal Fee when using other ATM's |
$1.00 |
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No monthly fee for cards |
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Replacement fee for cards |
$3.00 |
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Subject to approval credit |
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First Money Market Account
Receive a favorable return on your funds with limited transactions.
Interest rates are tiered according to account balance.
There is a minimum opening deposit of
$1,000 and a monthly maintenance fee of
$10 if the account balance falls below
$1,000.
Pre-authorized, automatic or telephone
transfers are limited by Federal
regulations to six per statement cycle,
with no more than three by check, draft,
or debit card to third parties.
Unlimited access in person, by
messenger, by mail and at First Bank
ATMs. Each additional transfer or debit
after six is subject to a $5.00 service
fee.
CDARS
(Certificate of Deposit Account Registry Service)
See the online video!
click here
Q: What is CDARS?
A: CDARS (Certificate of Deposit Account
Registry Service) offers First Bank customers
the opportunity of 100% FDIC insurance on up to
$50 million in CD investments, while enjoying
the convenience that comes with negotiating one
term and rate and receiving one statement.
How does CDARS work?
First Bank is a member of a special CD
network that includes more than 2,500 community
banks across the country. When you place a large
amount with us, we place your funds into
certificates of deposit issued by other banks in
the network – in increments of less than
$100,000 – so that both your principal and
interest are eligible for complete FDIC
protection. With help from a sophisticated
matching system, we exchange deposits with other
banks that are members of the network.
Your deposits are thus eligible for 100% FDIC
insurance up to $50 million. Please contact us
for more details on the national CD network, the
other community banks in the program, or any
other details.
What else should I know?
1) CDARS is available at no cost to you on
full-term CD investments. You receive the same
rates and terms available for our regular CDs.
2) Your personal information is absolutely
secure and is not accessible by other banks in
the network.
3) Your contact for your CDARS account will be
your local First Bank of Georgia branch office,
just like with your regular CD placements.
Now, you no longer have to spend time managing
multiple bank relationships, negotiating various
rate and term agreements, organizing interest
disbursements from various sources, or manually
consolidating monthly statements. This reduces
your administrative burden, especially during
tax season.
For more information on how CDARS works and
for how to make your placement, contact one of
our local branch offices by
clicking here or Marc Wilson, Business
Development Officer, at 706-731-6650 x6056 or
marcwilson@firstbankofga.com
Certificates of Deposit (Regular & IRA)
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Minimum opening deposit |
$500.00 |
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Maturities available to meet your needs |
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Competitive interest rates vary with the length of maturity |
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Subject to bank/IRS penalties for early withdrawal |
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IRA Savings Account
A great product with which to begin or supplement your retirement
savings.
| Minimum opening
deposit |
$100.00 |
| Competitive interest
rate |
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| Interest compounded
quarterly using daily ledger balance |
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| Deposits allowed any
time in any amount |
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| Subject to IRS
regulations |
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First Credit Line (Overdraft Protection)
First Bank is very pleased to offer qualified applicants an unsecured
overdraft protection line of credit as part of its checking program.
Funds are advanced in increments of $100.00 with a modest advance fee.
You only pay interest on the portion of your line which has been
utilized.
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Funds advanced in increments of |
$100.00 |
| Interest on unused portion of your Credit Line |
None |
| Fee for setup and maintenance |
None |
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Safe Deposit Boxes
Performance Checking and Club Fifty Checking account holders receive a
25% discount on all safe deposit boxes.
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3" X 5" |
$25.00 per year |
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3" X 10" |
$40.00 per year |
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5" X 10" |
$55.00 per year |
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10" X 10" |
$80.00 per year |
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Lost key charge |
$10.00 |
| Fee for box drilling |
$135.00 |
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Miscellaneous Service Fees
| *Collection (per item) |
$15.00 |
| Dormant account fee,
per month (maximum $60.00) |
$5.00 |
| First Credit Line
advance fee (charged to deposit account) |
$5.00 |
| Insufficient funds
charge per item |
$28.00 |
| Interim account
history |
$2.50 |
| Official checks |
$5.00 |
| Overdraft transfers |
$5.00 |
| Research, per copy |
$2.00 |
| Research, per hour |
$20.00 |
| Returned items |
$4.00 |
| Statement Copy |
$5.00 |
| Statement
reconciliation assistance, per hour |
$20.00 |
| Stop payment |
$28.00 |
| Tax Levies &
Garnishments |
$50.00 |
| Travelers Checks (per
$100.00) |
$1.00 |
| Travelers Checks for
two (per $100.00) |
$2.00 |
| *Wire transfers
(Domestic Incoming) |
$10.00 |
| *Wire transfers
(Domestic Outgoing) |
$15.00 |
| *Wire transfers
(Foreign Incoming) |
$15.00 |
| *Wire transfers (Foreign
Outgoing) |
$35.00 |
*Other charges may apply |
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