Checking
REWARDS CHECKING
 
Take advantage of the bank's most extraordinary personal checking account ever offered! We actually REWARD you for helping us operate more efficiently and for "going green" together! It's Green Banking At Its Best and Its Better than Free! The Bank of Georgia's Rewards Checking pays interest and refunds any ATM Fees Nationwide when you meet certain qualifications each statement period. YES, the bank is rewarding you with Interest and Free ATM use nationwide when you go paperless and use our fast, simple, and safe technologies! Plus, Rewards Checking is packed with all the money-savings features of our Free Accounts:
No minimum balance requirement
No monthly service charges
Unlimited transactions with no per transactions fees
Free VISA® Check Card - to access ATMs worldwide and for secure check card purchases
Free Georgia Express Online Banking
Free Georgia Express Web Bill Pay
Free Express e-Statements
Free first order of classic checks (excluding duplicates)
Overdraft Privilege Program
$100.00 minimum deposit to open
Always earn interest, regardless of your balance!
When you meet the 3 free and easy qualifications during the qualification cycle**
Earn 0.88 APY*
Plus, automatically receive refunds of all ATM fees nationwide****
Should you not qualify during any qualification cycle**
Still receive a 0.25 APY* on balances.
ATM Fees will not be refunded
Just 3 Free and Easy Steps to Qualify Each Statement Cycle**
Make 10 Check Card Purchases (Point of Sale Transactions Including PIN & Signature-Based qualify. ATM Transactions Do Not Count)*****
Set up 1 Direct Deposit or Automatic Payment From Your Account
Enroll & Receive e-Statement***
It's that easy! If you don't do everything you need to do to get the Rewards one qualification cycle**, don't worry - you still have a "better than free" checking account, and you can try again to meet the qualifications the next qualification cycle**.
To learn more about Rewards Checking, visit one of 9 convenient locations or contact us at 770-631-9488.
****** To open any account, including Rewards Checking, The Bank of Georgia requires proper identification and the new account documentation to be signed at one of our locations. ******
* 0.88% Annual Percentage Yield (APY) paid on balances $0-$25,000 and 0/88% APY paid on the portion of balances over $25,000 each cycle when the qualifications are met. If you do not meet the qualifications per cycle, your account will earn 0.25% APY; however, you will not receive ATM fee refunds for that time period. We may change the interest rates and APYs at any time after the account is opened. If you close your account before interest is paid, you will not receive the accrued interest. APY is accurate as of November 12, 2009.
** Qualification cycle: a period beginning one business day prior to the current statement cycle through one business day prior to the close of the current statement cycle . Our statement cycle ends on the 10th of each month, unless the 10th falls on a non-business day or bank holiday, then the statement cycle will end the first business day prior to the non-business day or bank holiday. Qualifying transactions must hard post to your account
*** Receiving your monthly bank statements electronically is a requirement for this product. If you cancel your e-statement enrollment or you opt to receive paper statements for two consecutive months or longer, the Bank may convert your account to a Free Personal Checking account. After enrolling in e-Statements, you must confirm your enrollment by replying to the confirmation e-mail you should receive immediately following the initial enrollment step. If you do not confirm by replying to this email, you will continue to receive paper statements and you will not meet the e-Statement qualification for Rewards Checking. If you do not receive a confirmation email after self-enrolling or being enrolled by a bank representative, please call any customer service representative for assistance at 770-631-9488.
****At the end of each statement cycle in which you qualified for the Rewards, all ATM fees charged by any bank nationwide are automatically refunded in one lump sum.
*****10 (ten) posted check card purchases: Cash withdrawal transactions made at an ATM do not count as a check card purchase and do no qualify. Signature-based check card purchases (also known as a "credit" transaction on card swipe terminals) and PIN-based check card purchases (also known as a "debit" transaction on card swipe terminals) that have posted to your account during the qualification cycle will count with the following exception: mutiple check card transactions attempted or completed on the same day at the same location, regardless of the dollar amount, may be counted as only one transaction. These types of transactions are often indicators of possible fraudulent activity or duplications.
Rewards Checking is available to consumer accounts only.
Interest is accrued and paid on collected balances. Rates on checking accounts may change after account opening. Fees may reduce earnings. See our Current Rates page for additional information on interest rates and annual percentage yields.
Member FDIC
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