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Please select the “WCG Newsletter” Tab to the left of this message for important information regarding our Pandemic Plan Response to the Coronavirus (COVID-19). If you have any questions, please do not hesitate to give us a call at (706) 647-8951.

Deluxe check reorders are no longer available. If you have checks processed by Deluxe and need to reorder checks, please contact customer service at (706) 647-8951 to discuss your new check order options provided by Main Street. Once you receive checks processed by Main Street, you will be able to reorder your checks online by clicking on the Blue “REORDER CHECKS” tab on the WCG website. Thank you for choosing West Central Georgia Bank for your banking needs.


Text Message Scam Alert !!!

There is a new text message scam going around. Please do not respond to text message requests for confidential account or debit card information. The bank will never ask for confidential information through text messages.


There is a type of fraud called “phishing”. The term “phishing” as in fishing for confidential information refers to a scam that encompasses fraudulently obtaining and using an individual’s information. This is how it works:

A consumer receives an e-mail which appears to originate from a financial institution, government agency or other well-known/reputable entity. The provided link appears to be the web site of the above, but in “phishing” scams, the web site belongs to the fraudster/scammer. Once inside the fraudulent web site, the consumer may be asked to provide Social Security numbers, account numbers, passwords or other information used to identify the consumer, such as the maiden name of the consumer’s mother or the consumer’s place of birth. When the consumer provides the information, those perpetrating the fraud can begin to access consumer accounts or assume the person’s identity. If you suspect that you have been a victim of identity theft, perhaps because you submitted personal information in response to a suspicious, unsolicited e-mail or you see unauthorized charges on your credit card, immediately contact your financial institution and if necessary close existing accounts and open new ones. Also contact the police and request a copy of any police report or case number for later reference.


  1. Never provide your personal information in response to an unsolicited request.
  2. If you believe the contact may be legitimate, contact the financial institution yourself.
  3. Never provide your password over the phone or in response to an unsolicited internet request.
  4. Review account statements regularly to ensure all charges are correct.
  5. Never provide personal financial information.
  6. Never click on the link provided in an e-mail.

Listed below are some of the new “key words” and their meanings to help you avoid identity theft.

  1. Phishing
    Phishing refers to criminal activity that attempts to fraudulently obtain sensitive information.

  2. Pharming
    Pharming is another scam where a hacker installs malicious code on a personal computer or server. This code then redirects clicks you make on a web site to another fraudulent web site without your consent or knowledge.

  3. Vishing
    Criminals also use the phone to solicit your personal information. This telephone version of phishing is sometimes called vishing.

  4. Smishing
    Just like phishing, smishing uses cell phone text messages to lure consumers in. In many cases, the smishing message will come from a “5000” number instead of displaying an actual phone number. DO NOT RESPOND TO SMISHING MESSAGES.


   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.

On July 21, 2010, President Obama signed the Dodd-Frank Wall Street Reform and Consumer Protection Act, which permanently raised the maximum deposit insurance amount from $100,000 to $250,000.   The FDIC insurance coverage limit applies per depositor, per insured depository institution for each account ownership category.


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.




In order to prepare for an emergency or unexpected event, here are some tips to help put your banking and financial documents in order:

  • Keep marriage and family records, including property deeds, birth certificates, wills, insurance policies, adoption papers, car titles and three years of tax returns in a safe deposit box.

  • Inventory and keep a list and photographs of household valuables.

  • Start and regularly contribute to an emergency fund that can cover at least three to four months of expenses. This fund should be separate from your savings or investment accounts.

  • Stash extra cash with your emergency kit, which should include a three day supply of water and food, first-aid kit, can opener, flashlights, radio and extra batteries or a battery-free radio.

  • Keep names and contact numbers for executors, trustees and guardians in a safe place.

  • Identify the records that you keep only on your computer. They may not be available if electrical power fails. Make a printout and safeguard them.


Your credit report has information that affects whether you can get a loan, approval for a credit card or even apply for a job. You need to make sure that information is accurate, complete and up-to-date. The Fair Credit Reporting Act (FCRA) requires each of the nationwide credit reporting companies (Equifax, Experian and Trans Union) to provide you with a free copy of your credit report, at your request, once every 12 months.

Do not contact the three nationwide credit reporting companies individually. They are providing free annual credit reports only through, by phone at 1-877-322-8228 and by mail at Annual Credit Report Request Service, P.O. Box 205281, Atlanta, GA 30348-5281.

You may order your reports from each of the three nationwide credit reporting companies at the same time, or you can order your report from each of the companies one at a time. The law allows you to order one free copy of your report from each of the nationwide credit reporting companies every 12 months. You may order one, two or all three reports at the same time, or you may stagger your requests. It’s your choice. Some financial advisors say staggering your requests during a 12-month period may be a good way to keep an eye on the accuracy and completeness of the information in your reports. If you request your report online at, you should be able to access it immediately. If you order your report by calling toll-free 1-877-322-8228, your report will be processed and mailed to you within 15 days. If you order your report by mail using the Annual Credit Report Request Form, your request will be processed and mailed to you within 15 days of receipt.


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.

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