Checking
At The Bank of Georgia we realize our customers have individual needs. To meet those needs we have a variety of checking options for you to choose from. Whatever stage of life you are in, you will find an account that is right for you. Along with your checking account, enjoy more convenience by taking advantage of other available services such as free online banking and bill pay, a check card, 24-hour Telebank, e-Statements, and Overdraft Privilege.
Personal Checking Options: Rewards Checking CASHBack Checking Classic Interest Checking
CASHBack Checking is a FREE checking account that pays you 2% cash back on the total check card purchases up to $1,500.00 and unlimited ATM fee refunds when you meet certain qualifications each month during the qualification period of your statement cycle. The cash back and ATM fee refunds will be automatically credited to your CASHBack Checking account or optional CASHBack Saver account.
CASHBack Checking has all the features of a free checking and then some:
- No minimum balance requirement
- No monthly service charges
- Unlimited transactions with no per transactions fees
- Free VISA® Check Card - for secure check card purchases and access ATMs worldwide
- Free Georgia Express Online Banking
- Free Georgia Express Web Bill Pay
- Free Express e-Statements
- Free OOPS! coverage - Occasional Overdraft Privilege Service (must Opt-In to receive coverage)
- $100.00 minimum deposit to openThis product is available for personal accounts only.
PLUS:
- 2% CASH BACK rebates on your total check card purchases up to $1,500.00 each statement cycle
- Nationwide ATM Fee Refunds
When you meet the 3 free and easy qualifications during the qualification 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 receive Cash Back and ATM Fee Rebates one qualification cycle**, don't worry - you still have a Free checking account, and you can try again to meet the qualifications the next qualification cycle**.
Click here for CASHBack Checking and CASHBack Saver FAQ.
CASHBack Checking is available to consumer accounts only.
Member FDIC
 
Take advantage of the bank's most extraordinary personal checking account ever offered! 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 a great interest rate 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 a free account:
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 OOPS! coverage - Occasional Overdraft Privilege Service (must Opt-In to receive coverage)
$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 for the Reward Rate**
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**.
Rewards Checking is available to consumer accounts only.
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 and CASHBack Checking, The Bank of Georgia requires proper identification and the new account documentation to be signed at one of our locations. ******
Member FDIC
Traditional checking that pays interest
- $100.00 minimum deposit to open
- Unlimited check writing
- Interest compounded daily on available balance*
- Maintain a $1,000 daily minimum balance or $2.000 average daily balance to avoid $8.00 monthly service charge
- Service charge waived for customers age 50 or better (Based on primary account holders date of birth)
- Free Online Banking and Bill Pay
- Safe and Convenient e-Statements
- Free Visa Check Card with Verify by Visa option
- Free OOPS! coverage - Occasional Overdraft Privilege Service (must Opt-In to receive coverage)
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.
* 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 NOT 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.
MEMBER FDIC
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