• Main Office: (706) 846-8415
  • Loan Production Office: (706) 660-6877
Banking on Experience

Personal Banking

Simplify your checking account with one of our convenient, secure, and easy to access to accounts.  Everyone uses their checking account differently; let us help you find your perfect match.  Select an account below to learn more.


Account Name Minimum Opening Deposit Monthly Service Charge Minimum Balance to Avoid Service Charge Interest Bearing
Green (Free) Checking $50 None None No
F&M Silver $100 $7, if minimim balance is not met $100 Yes, if the daily balance is over $500
F&M Gold $50 $4 None Yes, if the daily balance is over $500
Club Checking $50

$6.50 - Basic Plan

None No