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Personal Credit and Debit Cards

Credit Cards

WCGB VISA

With worldwide acceptance, West Central Georgia Bank offers both Classic and Gold VISA®!

Building a successful financial plan takes the right resources. That’s why we work hard to provide you with quality financial services and products. Like our convenient, flexible VISA® Classic & VISA® Gold Credit Cards. They’re accepted at thousands of locations worldwide for just about any type of purchase you can dream up. And, unlike those big out-of-town institutions, our cards come with the personal, friendly service you’ve come to expect from us. So, whatever your plans, choose the credit card that gives you all the value and buying power you need to get your projects off the drawing board.

“VISA…It’s everywhere you want to be!!!”

VISA® Classic Card

  • APR and Annual Fee
    • 14.9% Fixed Annual Percentage Rate (APR) for Purchases, Balance Transfers, and Cash Advances
    • $20.00 Annual Fee
  • Benefits
    • Travel Accident Insurance – You, your spouse and dependent children up to age 19 (age 25 if a full-time student at any institute of higher learning) are automatically covered with common carrier travel by air, bus, train, ship, taxi, or any other common carrier anywhere in the world when you charge your entire fare to our card. This coverage is provided to you at NO EXTRA COST.

VISA® Gold Card

  • APR and Annual Fee
    • 10.95% Fixed Annual Percentage Rate (APR) for Purchases, Balance Transfers, and Cash Advances
    • $30.00 Annual Fee
  • Benefits
    • Travel Accident Insurance – You, your spouse and dependent children up to age 19 (age 25 if a full-time student at any institute of higher learning) are automatically covered with common carrier travel by air, bus, train, ship, taxi, or any other common carrier anywhere in the world when you charge your entire fare to our card. This coverage is provided to you at NO EXTRA COST.

Interested in applying for one of our credit cards? Email your request for an application today or pick one up at our locations!

Credit Cards FAQ’s

Lost or Stolen Card
  • To report a card lost or stolen, please call 706-647-8951 during banking hours. and during non-banking hours please call 1-800-423-7503.
How can I check my balance?
How can I make a payment?
  • Payments are accepted at West Central Georgia Bank locations as well as the statement address.

Debit Cards

WCGB Debit Card

front of the West Central Georgia Bank Consumer Debit Card

What is quicker than making a trip to the ATM, more convenient than writing a check, and much safer than carrying cash? The WCGB Debit Card.

The WCGB Debit card looks like a credit card but it works like a check, only faster and easier by directly withdrawing from your checking account. There is no credit involved, no interest charged and the transaction will appear on your monthly statement with the amount, date and location of where you made the purchase. This gives you the added benefit of easily tracking your spending.

No need to carry a checkbook or large sums of cash when you shop. You can use your WCGB Debit card everywhere MasterCard® is accepted and at ATM’s worldwide. The Debit card is more widely accepted than checks, which makes it perfect for travel.

Take advantage of a faster, smarter, more convenient way to shop! Contact (link contact to our locations page) a customer service representative to order your WCGB Debit Card today.

"There are some things money can't buy. For everything else there's MasterCard®."

Debit Card FAQ’s

Lost or stolen Card
  • To report a card lost or stolen, please call 706-647-8951 during banking hours. If after banking hours please call 706-647-9111, option 3 then option 1.
How do I Change my PIN
  • There is a fee of $5.00 every time you reset your PIN. The Fee will be processed the next business day after the PIN change has occurred. To reset your PIN for your debit card call 706-647-9111, option 3 then option 2.
How can I raise my daily Debit Card Limit?
  • You must contact us during banking hours to have your card limit raised.
I received a text asking to verify these transactions and now my card does not work. Is this legitimate?
  • Our Debit Cards are monitored 24/7 7 days a week by the system. If the system detects unusual activity it will temporarily lock your card while waiting for you to verify the transactions in question.  You will receive a text, phone call, and then email in that order. YOU MUST RESPOND TO THE TEXT, PHONE CALL OR EMAIL.  IF YOU VERIFY YOU DID NOT MAKE THE TRANSACTION(S), THE CARD WILL BE CANCELLED AND A NEW CARD WILL BE ORDERED.  IF YOU VERIFY YOU DID MAKE THE TRANSACTION(S), THE CARD WILL BE UNLOCKED AND READY TO USE.

WCGB Visa Statements

Online access to MyCardStatement

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WCGB Visa Statements