Jump to: Checking | Savings | Loans

Checking Accounts

SBG Personal Checking

• $100 minimum deposit to open
• Free checking with no minimum balance requirement
• No monthly maintenance fee
• Free debit card
• Unlimited debit card and check writing transactions
• Free online banking and bill pay
• First order of SBG checks free

SBG Gold

• Interest bearing checking account
• $100 minimum deposit to open
• Maintain $1000 daily balance or $2500 average daily balance to avoid a $10 monthly maintenance fee
• No minimum balance required to earn interest
• Free debit card

SBG Silver

• Available for customers age 50 and over
• $ 100 minimum deposit to open
• No daily minimum balance required
• Free SBG personal checks (limit 3 per year)
• Free debit card
• Free online banking and bill pay
• Unlimited check writing and debit card transactions

SBG Platinum Advantage

• The advantage account with all the benefits
• $100 minimum deposit to open
• 2 free checking and 2 free savings accounts
• Enjoy free: Travelers Checks
  Cashier’s Checks
  SBG Checks
  Online banking and bill pay
  Debit card
• Maintain $5,000 in any SBG product to earn tiered interest and avoid $15 monthly maintenance fee.
• Tiered rate:
  $5,000 – 24,999
  $25,000 – 49,999
  $50,000 and over

SBG Prime Money Market

• Competitive rate money market
• $10,000 minimum deposit to open
• $10,000 minimum balance to avoid a maintenance fee of $15.00
• Interest bearing account rate based on Wall Street prime -3.50
• Free debit card
• Check orders limited to 50

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Savings Accounts

SBG Personal Savings

• $100 minimum deposit to open
• $100 minimum daily balance required to avoid a monthly maintenance fee of $3.00
• Three (3) free withdrawals per month each additional withdrawal incur a $3.00 service charge.
• No minimum balance required to earn interest
• Quarterly statement

SBG Southern Savings

• Vacations, holiday, taxes etc…YOU name it.
• $50.00 minimum deposit to open
• Maintain $50 daily balance or have an authorized transfer of $50 from SBG checking account to avoid the $3.00 fee
• One withdrawal quarterly
• Quarterly statement

SBG Kids Club

• $10 minimum to open account
• No minimum balance required
• Child must be under 18 with a valid SS#
• One withdrawal allowed quarterly; additional withdrawals $2.00.
• Quarterly Statement

SBG Money Market Savings

• $500 minimum deposit to open
• Maintain $1000 daily balance or $2500 average daily balance to avoid a $10 monthly maintenance fee
• Six (6) withdrawals; no more than three (3) by check
• Tired interest:
  $0 - 24,999
  $25,000 -  49,000
  $50,000 and over
• Monthly statement

SBG Certificate of Deposit

• CD - $500 minimum to open
• 30 days to 60 months terms
• Auto renewable at current board rate

SBG Certificates of Deposit/IRA

• $100 to open
• Terms of 30 days to 60 months
• Auto renewable at current board rate

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Loans

State Bank of Georgia offers both secured and unsecured consumer loans, with very competitive rates. These rates will vary according to the loan type, number of years financed and your credit history.

• Car Loans ( new used & refinances )
• Other Collateral Loans (boats, motorcycles, recreational vehicles, and more.)
• Savings Secured Loans
• Signature Loans
• Personal Line of Credit
• Overdraft Protection

Home Mortgage Loan

State Bank of Georgia offers a variety of mortgage loan options. Choose from several mortgage plans including fixed rate or variable rate loans.

Home Equity Line

State Bank of Georgia Home Equity Line gives you the flexibility to borrow as much or as little as you want. As you pay down your line, that money will once again become available for your use. Our home equity offers competitive rates, a variety of repayment options and decision making.

You can access your home equity line a number of ways: by check, debit master card, telephone, online banking or, you can visit your local banking center.

A Home Equity Loan can enhance your financial flexibility. The equity in your home is a valuable asset that can be used to provide cash for a new car, college tuition, home improvements, vacations or whatever purchases you may choose. The interest paid on the loan may be tax deductible.

From the unexpected expenses to major purchases, let SBG design a personal loan for you.

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