Online Banking Instructions

Online Banking is always FREE for our customers!

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Consumer Checking

  • All Consumer Checking Accounts receive free on-line banking, bill pay, and mobile banking.
    (network fees may apply, check with your provider)
  • For current rates, call or come by any of our branches

Personal Checking

  • $50 minimum deposit to open.
  • No monthly account fee

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E Plus Checking

  • $50 minimum deposit to open
  • Account earns market interest rate on daily balances of $25,000 and above
  • Bonus rate paid on balances up to $25,000
  • No WCGB fee for Non-West Central Georgia Bank ATM transactions
  • Free Electronic Statements (Paper Statements will incur a $3 monthly paper statement fee)

Requirements for E Plus Checking during each monthly statement cycle:

  • Make at least 10 Debit Card Point of Sale transactions (excludes ATM transactions)
  • At least one monthly direct deposit
    If the above conditions are not met, the account will be assessed a $15 item charge

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E Student Checking

  • $50 minimum deposit to open
  • No monthly account fee
  • Free Electronic Statements (Paper Statements will incur a $3 monthly paper statement fee)
  • No WCGB fee for Non-West Central Georgia Bank ATM transactions
  • Free club checks or $5 discount on an upgraded style
  • Available on personal accounts up to age 23

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NOW Account

  • $1,000 minimum deposit to open
  • $6 per month plus $.25 per debit if at any time during the statement cycle the balance falls below $1,000
  • Account earns market interest rate on minimum daily balance of $250 and above

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Classic 50 Checking

  • Offered to individuals 50 and over.
  • $50 minimum deposit to open.
  • Account earns tier market interest rates on daily balances of $1,000 and above
  • Free Box of club checks at account opening and one box of free checks at re-order
  • Free 3x5 Safe Deposit Box or $15.00 discount for different size
  • Waive fee for cashier’s check
  • Bonus rate on Certificate of Deposits
  • Visa Gold Card with no annual fee
  • $6 balance fee per month if balance drops below $500 during the statement cycle

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Classic Checking

  • $50 minimum deposit to open.
  • $6 monthly maintenance fee.
  • Account earns market interest rate on daily balance
  • Free Box of club checks at account opening and one box of free checks at re-order
  • Free 3x5 Safe Deposit Box or $15.00 discount for different size
  • Waive fee for cashier’s check

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Commercial Checking

Business-No Interest
(Sole Proprietor, non-profit associations and Corporations)

  • $250 minimum deposit to open.
  • $5 monthly fee if balance drops below $500.


Commercial Money Market

  • $1,000 minimum deposit to open.
  • $7 monthly fee if balance drops below $1,000.
  • Account earns market interest rate on daily balance.
  • Withdrawal/transfer charge of $5 for each withdrawal/transfer over six.
  • If balance drops below $1,000, account converts to a NOW account rate of interest.


Commercial NOW Account
(Sole proprietorship, non profit organizations, state, city or political only – NO CORPORATIONS)

  • $1,000 minimum deposit to open.
  • $6 per month plus $.25 per debit if at any time during the statement period the balance falls below $1,000.
  • Account earns market interest rate on daily balance.
  • Unlimited check writing.
  • No interest is paid if balance drops below $250.

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