Personal Checking Accounts

Personal Checkings Accounts

You deserve preferred treatment. At First Bank of Coastal Georgia, we are committed to giving you the banking experience you deserve. Our checking accounts are designed with you, the customer, in mind. With five personal checking accounts to choose from, we are assured you will find one that fits your financial life style. Our foremost commitment is to provide you with the flexibility you need to stay in touch with your money.
Many people bank with First Bank of Coastal Georgia , and here is why:

Direct Deposit Service
Overdraft Protection
MasterMoney Card
Automated Teller Machine (ATM) access.24-hour access to funds
Monthly and Quarterly Statements with Check Imaging

Personal Savings Accounts

Regular Checking Account

$100 minimum deposit to open this account
$2 monthly account maintenance fee
No maintenance fees charged if account maintains a $300 minimum daily balance or $1000 average daily balance
$0.15 fee for each debit transaction in excess of 15 during statement cycle

FBCG Club Account

$100 minimum deposit to open this account
Accidental Death and Dismemberment Insurance (Not insured by the FDIC)
No minimum balance required
No per check charge
See a First Bank of Coastal Georgia representative for all fee information, terms, conditions & exclusions

NOW Account

$1,000 minimum deposit to open this account
$3 monthly account maintenance fee
$0.15 fee for each debit transaction
No fees charged if account maintains a $1,000 minimum daily balance or a $1,500 average daily balance
Interest compounded monthly, credited monthly

Gold Checking Account

(AGE 55 AND OLDER)
$100 minimum deposit to open this account
No monthly account maintenance fee
Free supply of personalized checks (First Bank of Coastal Georgia basic, wallet style. Cost of any other style checks will be paid by customer, including duplicate.)
Free 2×5 safe deposit box

Your future is approaching quicker than you think! At First Bank of Coastal Georgia our advice is for each customer to find a disciplined and effective way to save. From savings accounts to CDs we have got your future covered. It has been stated that “early” money grows at a faster rate than “late” money. In other words – the sooner you start saving, the better! Let us help you secure your financial future.

Money Market Maximizer Account

$1000 minimum deposit to open this account
$10 monthly account service charge fee if the average daily balance for the monthly statement cycle falls below $1000.00
No maintenance fee charged if account maintains a $1000 average balance
No minimum balance to earn interest
Interest compounded monthly, credited monthly and paid on the collected balance.
Transfers from a Money Market Maximizer Account to another account or to third parties by pre-authorized, automatic, or telephone transfer or by check or similar order to third parties are limited to six per statement cycle.
A per debit fee of $5.00 will be charged for each debit paid to third parties in excess of six during a statement period.

Senior Savings Account

You must be age 55 or older to qualify for a Senior Savings Account.
$100 minimum deposit to open this account
Withdrawals or other transfers from a Savings account to another account or to third parties by preauthorized, automatic , or telephone transfer are limited to six (6) per month
No minimum balance required to earn interest
Interest compounded quarterly, credited quarterly and paid on the collected balance

Regular Savings Account

$100 minimum deposit to open this account
A service charge fee of $2 will be imposed every statement cycle if the balance falls below $25.00 any day of the cycle
Withdrawals or other transfers from a Savings account to another account or to third parties by preauthorized, automatic , or telephone transfer are limited to six (6) per month
No minimum balance required to earn interest
Interest compounded quarterly, credited quarterly and paid on the collected balance

Minor Savings Account

$100 to open this account
Joint with parent or guardian
A service charge fee of $2 will be imposed every statement cycle if the balance falls below $25.00 any day of the cycle
Withdrawals or other transfers from a Savings account to another account or to third parties by preauthorized, automatic , or telephone transfer are limited to six (6) per month
No minimum to earn interest
Interest compounded quarterly, credited quarterly and paid on the collected balance

Fees:

A service charge fee of $2.00 will be charged for each withdrawal in excess of six (6) during a month.

Overdraft Protection

Imagine, no more “bounced” checks! First Bank of Coastal Georgia Overdraft Protection allows you to transfer funds from one checking account to another when needed. For more information on this service, visit First Bank of Coastal Georgia or call (912)653-4396 for Pembroke or (912)756-3391 for Richmond Hill .

Cds and IRAs

Certificates of Deposit (CDs)

Do you want to earn the most interest with the least amount of risk? A Certificate of Deposit from First Bank of Coastal Georgia is for you.
CERTIFICATES OF DEPOSIT *
$500 minimum deposit to open this account
A variety of maturity dates available
Pays a market rate of interest through maturity date
Maturity notice mailed 10 days prior to maturity date
Automatic certificate renewal available
Certificates can be used as collateral on loans
Interest may be reinvested, deposited to another account or paid out by check
Penalty for early withdrawal

* Certain restrictions apply, please call (912) 653-4396 for Pembroke or (912) 756-3391 for Richmond Hill to speak with a Customer Service Representative for rates and full disclosure and rate information.

Jumbo Certificates of Deposit

JUMBO CERTIFICATES OF DEPOSIT *
$100,000 minimum deposit to open this account
A variety of maturity dates available
Pays a market rate of interest through maturity date
Maturity notice mailed 10 days prior to maturity date
Automatic certificate renewal available
Certificates can be used as collateral on loans
Interest may be reinvested, deposited to another account or paid out by check
Penalty for early withdrawal

MasterCard Debit/ATM Card

Click Here to Access Your Account Online

MasterCard

At First Bank of Coastal Georgia we are proud to announce that our MasterCard
will allow you more flexibility and convenience. With a First Bank of Coastal
Georgia MasterCard you will receive the credit you deserve.

MasterCard offers:
- Revolving line of credit honored worldwide
- Cash advances available through financial institutions and Automated Teller Machines (ATMs) worldwide
- Monthly statement and payment plan

Contact a Customer Service Representative today at (912) 653-4396 for Pembroke or (912) 756-3391 for Richmond Hill for complete details!

MasterMoney Card

Say goodbye to those checks and hello to the MasterMoney Card!

Easy and convenient access to your checking account without using checks
Accepted anywhere MasterCard is accepted
ATM access
Issued upon approval

ATMs

Convenient 24-hours access to First Bank of Coastal Georgia’s checking account with the MasterMoney Card.
Statement and balance information available
Cash advance from First Bank of Coastal Georgia’s MasterCard account
Transactions reported on monthly checking or credit card account statement
Withdrawals made at other ATMs are charged to your account under the per item fee schedule for your particular account

ATM Networks

Account accessibility through the following networks: Cirrus, Pulse, Intercept, and MasterCard
Provides cash from the customer’s checking account with First Bank of Coastal Georgia’s MasterMoney Card or cash advance from the customer’s Mastercard account.
Gives customers the ability to make balance inquiries.

For a complete list of ATMs in the Intercept network visit http://www.surchargefree.com/

First Bank of Coastal Georgia

Pembroke Location

250 West Bacon Street
P. O. Box 8
Pembroke, GA 31321
Phone: (912) 653-4396
Fax: (912) 653-4786

Our Hours are:

Mon, Tues, Wed and Fri: 9am to 5pm
Thursday: 9am to 1pm
The Drive Thru opens at 8:30am Mon-Fri and is open from 9am to 12pm on Saturdays.

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First Bank of Coastal Georgia

Richmond Hill Location

9720 Ford Avenue
P. O. Box 430
Richmond Hill, GA 31324
Phone: (912) 756-3391
Fax: (912) 756-3470

Our Hours are:

Mon thru Fri: 9am to 5pm
The Drive Thru opens at 8:30am Mon-Fri and is open from 9am to 12pm on Saturdays.

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Electronic Banking

The First Bank of Coastal Georgia offers convenient online & mobile services:

Online Banking
Mobile Banking
Text Banking
Telephone Banking (866) 899-2116
eStatements
Bill Pay

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