Account Name Learn More Minimum Opening Deposit Monthly Service Charge Minimum Balance to Avoid Service Charge Interest/Earnings Credit Transactions
SGB Freedom Business Checking More» $50 None None No 300 Free per month

SGB Freedom Business Checking

With SGB Freedom Business Checking, there is no monthly maintenance fee and no minimum balance required. You get 300 items free per month, with a $0.25 per item charge above 300 (may include debits and items deposited). You get free business online banking. A Debit card is provided to sole-proprietors at no charge and provides you access to funds 24/7, and can be used at point-of-sale electronic debit facilities for purchases. There are no ATM fees when using Southwest Georgia Bank ATMs or for making point-of-sale transactions. For non-Southwest Georgia Bank ATM transactions, clients may incur charges from the bank whose machine is accessed. All transactions appear on your monthly statement and, for easy record keeping, check images are included, and a three-ring binder with monthly tabs is free. Checks must be purchased by client. Contact us for more information about this account.

Business NOW Checking More» $100 $10, if minimum balance is not met $1,000, or $2,500 average daily balance for cycle Yes, paid on all balances 300 Free per month

Business NOW Checking

Our Business NOW checking account is an interest bearing account. You get 300 items free per month, with a $0.25 per item charge above 300 (may include debits and items deposited). You get free online banking and free online bill-pay. You earn money on every dollar with interest paid on your average monthly checking account balance. The interest rate and annual percentage yield may change at any time. Interest is compounded monthly and credited to the account every statement cycle.

There is no monthly service charge when minimum daily balance is $1,000 or more, or average daily balance of $2,500 for the month is maintained. A Debit card is provided to sole-proprietors at no charge and provides access to funds 24/7, and can be used at point-of-sale electronic debit facilities for purchases. There are no ATM fees when using Southwest Georgia Bank ATMs or for making point-of-sale transactions. For non-Southwest Georgia Bank ATM transactions, you may incur charges from the bank whose machine is accessed. All transactions appear on your monthly statement and a three-ring binder with monthly tabs is free. Contact us for more information about this account.

Business Checking More» $100 $7, if minimum balance is not met $1,000, or $2,500 average daily balance for cycle No Unlimited, see "more"

Business Checking

With our Business Checking Account, there is a $7.00 monthly service charge and items are unlimited. You get free business online banking. A Debit card is provided to sole-proprietors at no charge and provides you access to funds 24/7, and can be used at point-of-sale electronic debit facilities for purchases. There are no ATM fees when using Southwest Georgia Bank ATMs or for making point-of-sale transactions. For non-Southwest Georgia Bank ATM transactions, clients may incur charges from the bank whose machine is accessed. All transactions appear on your monthly statement and, for easy record keeping, check images are included, and a three-ring binder with monthly tabs is free. Checks must be purchased by client. Contact us for more information about this account.

Commercial Checking More» $100 Analysis, see "more" None Yes, see "more" Unlimited, see "more"

Commercial Checking

Our Commercial Checking Account is designed for established businesses with greater transaction needs. An earnings credit helps reduce fees. This account features no minimum balance, and an earnings credit allowance that reduces fees. The earnings credit is based on the 13-week T-bill rate less 25 basis points and is used to offset analysis charges. When your regular monthly charges exceed the earnings credit, the difference gets deducted from the account. You also get free business online banking. A debit card is provided to sole-proprietors at no charge and provides you access to funds 24/7, and can be used at point-of-sale electronic debit facilities for purchases. There are no ATM fees when using Southwest Georgia Bank ATMs or for making point-of-sale transactions. For non-Southwest Georgia Bank ATM transactions, clients may incur charges from the bank whose machine is accessed. All transactions appear on your monthly statement and, for easy record keeping, check images are included, and a three-ring binder with monthly tabs is free. Checks must be purchased by client. Contact us for more information about this account.

Business Money Market More» $2,500 $3.50, if minimum balance is not met $1,000, or $2,500 average daily balance for cycle Yes, paid on all balances 6 per statement cycle (see details in "more")

Business Money Market

Our Business Money Market Deposit Account is an interest bearing account. You earn money on every dollar with interest paid on your average monthly balance. Transfers from the account to another account or to third parties are limited to six per statement cycle. A per-item charge of $.35 is charged for each debit transaction (withdrawal, check, automatic transfer or payment out of account) over six per month. This fee is waived if you maintain a minimum daily balance of $1,000 or an average daily balance of $2,500 for the monthly statement cycle. The interest rate and annual percentage yield may change at any time. Interest is compounded monthly and credited to the account every statement cycle. All transactions appear on your monthly statement and, for easy record keeping, check images are included, and a three-ring binder with monthly tabs is free. Contact us for more information about this account.

Business Savings More» $50 $1.00, if minimum balance is not met $500 Yes, paid on all balances 6 per statement cycle (see details in "more")

Business Savings

Our Business Savings Account is an account that offers you immediate liquidity and interest that is compounded and paid monthly. Transfers from your Business Savings Account to another account or to third parties are limited to six per statement cycle. There is a $2.00 fee for each debit transaction (withdrawal, check paid, automatic transfer or payment out of account) in excess of two per month. An ATM card is provided to you at no charge and provides you access to funds 24/7, and can be used at point-of-sale electronic debit facilities for purchases. There are no ATM fees when using Southwest Georgia Bank ATMs or for making point-of-sale transactions. For non-Southwest Georgia Bank ATM transactions, you may incur charges from the bank whose machine is accessed. All transactions appear on your statement. Contact us for more information about this account.

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