Personal Savings Accounts:

We can help you save for purchases and financial security. Our savings accounts are FDIC insured and designed to meet short term and long term savings needs.

Regular Savings1

  • Minimum opening balance $100
  • Service Charge waived as long as you maintain a minimum daily balance of $100. The savings account to start your investment strategy. Earns interest with low fees and low balance requirements.
  • A debit charge will be charged for each withdrawal in excess of six during a quarterly statement cycle.

Junior Savings1

  • Minimum opening balance $5
  • Exclusively for Customers under 18 years of age, low balance requirements make it easy to start saving.
  • Service Charge waived provided you meet a minimum daily balance of $5.
  • A debit charge will be charged for each withdrawal in excess of six during a quarterly statement cycle.

Money Market Account1

  • Minimum opening balance $1000
  • Earn higher interest, plus the added convenience of writing checks.

No Service Charge provided you maintain a minimum daily balance of $1,000. A debit charge will be charged for each third party transaction in excess of six per statement cycle.

Premier Money Market Account1

  • Minimum opening balance $10,000
  • Earn the highest interest possible without the restrictions of a maturity date.

No Service Charge provided you maintain a minimum average daily balance of $10,000. A debit charge will be charged for each third party transaction in excess of six per statement cycle.

IRA

  • $500 Minimum to Open.
  • Terms range from 12 months to 60 months. We offer the following types of IRAs: Traditional, Roth, SEP, Simple

These investments have possible tax benefits (consult your tax accountant). Penalties apply for early withdrawals.

Certificates of Deposit

  • $500 Minimum to open
  • Terms range from 90 days to 5 years.
  • Penalties apply for early withdrawals.

*All deposits are federally insured to at least $250,000

Safe Deposit Boxes

Available at all of our branches


1You may make no more than six transfers and withdrawals, or a combination of such transfers and withdrawals, per calendar month or statement cycle of at least four weeks, to another account of the depositor at the same institution or to third party by means of a preauthorized or automatic transfer, check, draft, debit card, ACH, or similar order or instruction.

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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