Account Name Learn More Minimum Opening Deposit Monthly Maintenance Fee Minimum Balance to Avoid Maintenance Fee 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 fees from the bank whose machine is accessed. All transactions appear on your monthly statement. 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. Earn money on every dollar with interest paid on your account balance. Interest is compounded monthly and credited to the account every statement cycle. We use the daily balance method to calculate the interest on your account. The interest rate and annual percentage yield may change at any time. You get 300 items free per month, with a $0.25 per item fee above 300 (may include debits and items deposited). You also get free online banking and free online bill-pay. There is no monthly maintenance fee when your minimum daily balance is $1,000 or more, or an 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 fees from the bank whose machine is accessed. All transactions appear on your monthly statement. 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 maintenance fee 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 fees from the bank whose machine is accessed. All transactions appear on your monthly statement. 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 fees. When your regular monthly fees 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 fees from the bank whose machine is accessed. All transactions appear on your monthly statement. 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. Earn money on every dollar with interest paid on your account balance. Interest is compounded monthly and credited to the account every statement cycle. We use the daily balance method to calculate the interest on your account. The interest rate and annual percentage yield may change at any time. Transfers from the account to another account or to third parties are limited to six per statement cycle. A per-item fee of $2.00 is charged for each debit transaction (withdrawal, check, automatic transfer or payment out of account). 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. All transactions appear on your monthly statement. 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. Interest is compounded monthly and credited to the account every statement cycle. We use the daily balance method to calculate the interest on your account. The interest rate and annual percentage yield may change at any time. 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. A debit 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 fees 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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