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Personal Checking

You work hard for your money, and you know it makes sense to protect it and save it. Our Secure Checking Accounts help keep your money safe and offer sound money-saving benefits, so you can feel secure. Be Safer. Spend Smarter.

If you are not a current customer, we look forward to the opportunity of you becoming one! If you are a current customer and do not have a Hometown Secure or Classic Secure Account, we look forward to the opportunity of opening one for you. Thank you for allowing us to be your Hometown Community Bank!

Hometown Secure and Classic Secure Checking

Peace of mind. It’s one of the most important benefits a financial institution can provide. With unrivaled security and smart savings – it’s simple! With Hometown Secure or Classic Secure Checking, it’s easier to protect your finances, save money on everyday purchases and enjoy your life. That’s something you can bank on with West Central Georgia Bank.

Our Hometown Secure Checking includes all the benefits listed below for a low monthly maintenance fee of $5.95:

  • $50 Minimum Deposit
  • Free Online Banking
  • Free Bill Pay
  • eStatements or Paper Statements
  • Unlimited Check Writing
  • WCGB Debit Card (subject to approval)
  • Free Notary
  • IDProtect® Identity Theft Monitoring and Resolution Service
    Help better protect yourself and your joint account owners with our identity theft and resolution service1 that includes credit file monitoring2, access to credit reports and scores3, monitoring of over 1,000 public databases, identity theft expense reimbursement4, fully managed resolution services, and more.
  • Travel and Leisure Discount Membership – Money-saving discounts from thousands of local and national businesses – redeem and print coupons online or access discounts from a mobile device. (Registration/activation required.)
  • $hopping RewardsTM - Earn cash rewards when you shop online at dozens of your favorite retailers. (Registration/activation required.)
  • Accidental Death & Dismemberment Insurance4 – Receive up to $10,000 24-hour Accidental Death & Dismemberment Insurance. (Coverage divides equally on joint accounts and reduces by 50% at age 70)
  • Cell Phone Protection4 - Receive up to $300 of replacement or repair costs if your cell phone is stolen or damaged, in the U.S. and abroad. (Cellular telephone bill must be paid using eligible account)
  • Debit Advantage® - Buyer’s Protection4 & Extended Warranty4 (Item(s) must be purchased entirely with eligible account)
  • Health Discount Savings - Enjoy savings on vision, dental and prescriptions. This is NOT insurance. (registration/activation required)

1 Benefits are available to personal checking account owner(s), and their joint account owners subject to the terms and conditions for the applicable Benefits. Some Benefits require authentication, registration and/or activation. Benefits are not available to a "signer" on the account who is not an account owner or to businesses, clubs, trusts organizations and/or churches and their members, or schools and their employees/students.

2 Credit file monitoring from Experian and TransUnion will take several days to begin following activation.

3Credit Score is a VantageScore 3.0 based on [Equifax/single credit bureau] data. Third parties may use a different VantageScore or a different type of credit score to assess your creditworthiness. Once you have activated credit file monitoring, you may request your credit score.

 4Special Program Notes: The descriptions herein are summaries only and do not include all terms, conditions and exclusions of the Benefits described. Please refer to the actual Guide to Benefit and/or insurance documents for complete details of coverage and exclusions. Coverage is provided through the company named in the Guide to Benefit or on the certificate of insurance.

Insurance Products are not insured by the FDIC or any Federal Government Agency; Not a deposit of or guaranteed by the Bank or any Bank Affiliate

Classic Secure Checking

Our Classic Secure Checking includes all the benefits of Hometown Secure Checking Plus the additional benefits listed below. A $7.95 Monthly Balance Fee applies if daily balance drops below $4,000.

  • First Order of Exclusive Bank Checks Free
  • $15 Discount on any size Safe Deposit Box
  • Annual Fee Waived for Visa Credit Card Holders
  • Tiered Interest ($1,000 minimum balance required to receive interest – contact bank for rates)

Contact us for current rates at 706-647-8951, or come by and see a customer service representative at one of our locations.

Simple Checking

If Hometown Secure or Classic Secure Checking does not meet your financial needs, please consider Simple Checking.

Our Simple Checking includes many valuable benefits:

  • $50.00 Minimum Deposit
  • No Monthly Balance Fee
  • Free Online Banking
  • Free Bill Pay
  • Free e-Statements (Paper Statements $2.00 per month)
  • Unlimited Check Writing
  • WCGB Debit Card (subject to approval)
  • Free Notary