Online Banking Instructions

Online Banking is always FREE for our customers!

Sign Up
 


Visa/Mastercard Merchant Certification

The Summer "WCG Newsletter" is now available.
To access the Newsletter, click on the "WCG Newsletter" to the left.

COMMUNITY BANK ADVANTAGES

   Community banks focus attention on the needs of local families, businesses and farmers. Conversely, many of the nation’s megabanks are structured to place a priority on serving large corporations.

   Unlike many larger banks that may take deposits in one state and lend in others, community banks channel most of their loans to the neighborhoods where their depositors live and work, helping to keep local communities vibrant and growing.

   Community bank officers are generally accessible to their customers on-site. CEOs at megabanks are often headquartered in office suites, away from daily customers dealings.

   Community bank officers are typically deeply involved in local community affairs, while large-bank officers are likely to be detached physically and emotionally from the communities where their branches are located.

   Many community banks are willing to consider character, family history and discretionary spending in making loans. Megabanks, on the other hand, often apply impersonal qualification criteria, such as credit scoring, to all loan decisions without regard to individual circumstances.

   Community banks offer nimble decision-making on business loans because decisions are made locally. Megabanks must often convene loan-approval committees in another state.

   Because community banks are themselves small businesses, they understand the needs of small-business owners. Their core concern is lending to small businesses and farms. The core concern of the mega banks is corporate America.

PROTECT YOUR MONEY AND IDENTITY WITH DIRECT DEPOSIT

If you apply for Social Security or Supplemental Security Income benefits, you must start receiving you payments electronically. If you did not sign up for electronic payments when you applied for benefits, now would be a good time to change. You must switch to electronic payments by March 2, 2013. When you use Direct Deposit, you can rest assured that your money is safe. Since your money goes directly into the bank in the form of an electronic transfer, there is no risk of a check being lost or stolen You can sign for Direct Deposit with a simple phone call to the Social Security Administration at 1-800-772-1213 or you can come in and we will be happy to make the call for you.

 

 


TOUCHTONE ACCESS

If you need to access your account without a computer, it is as easy as your telephone. Touchtone Access (706-647-9111) gives you current account information, gives you the ability to transfer funds between accounts and is available 24 hours a day. This is a totally free service. All you need to do is come in to any of our offices and see a customer service representative to sign up and get your password.

Another helpful telephone service we offer is our Weatherphone (706-647-7000). The time, temperature and weather service is available 24 hours a day. Be prepared for any type of weather before heading out for the day.

 
Home | Products & Services | Kids Savings Club | Locations | Calculators | Security Info | Privacy Policy | Helpful Links | About Us | Contact Us