Personal Checking Accounts:

We offer checking accounts tailored to meet different financial needs and lifestyles. All of our personal checking accounts offer unlimited check writing and free ATM cards. We also offer free internet banking and online bill pay with all of our checking accounts.

Main Street Checking

  • Minimum opening balance $100
  • No monthly service charge with a minimum average daily balance of $300*

*The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period.

Scholar Checking

  • Minimum opening balance $100
  • For full-time students
  • No minimum balance to avoid monthly service charges

Capital Interest Checking

This account is for customers who maintain a higher balance in their checking accounts
and want to earn interest on their money.

  • Minimum opening balance $1000
  • No monthly service charge with $1000 or over minimum daily balance
  • Interest paid on qualified balances.
  • If the minimum balance falls below $1000 on any day in the statement cycle, a debit charge will be charged for each debit transaction (withdrawal, check paid, automatic transfer or payment) out of this account

Premier Advantage Ck

  • Minimum opening balance $100
  • Exclusively for Customers 55 and over
  • No minimum balance to avoid monthly service charges

Outlook Club–Individual

  • Minimum opening balance $100
  • $7.00 Flat Service Charge
  • Free Outlook Personal Checks
  • Accidental Death Insurance*
  • Free Official Checks
  • Free Notary Services

Outlook Club–Family

  • Minimum opening balance $100
  • $7.50 Flat Service Charge
  • Free Outlook Personal Checks
  • Accidental Death Insurance*
  • Free Official Checks
  • Free Notary Services

*INVESTEMENT AND INSURANCE PRODUCTS: NOT FDIC INSURED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY | NO BANK GUARANTEE | MAY LOSE VALUE

Main Office

133 North Main Street
Madison, GA 30650

(706) 342-1953

Eatonton Road Branch

1540 Eatonton Road
Madison, GA 30650

(706) 342-1953

Bank of Social Circle

A Division of Bank of Madison
1281 N. Cherokee Road
Social Circle, GA 30025

(770) 464-0213

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