The items listed below are fees that may be imposed in connection with deposit account activity. Please refer to our separate Fee
Schedule For Personal Accounts for additional information about miscellaneous activity fees and charges.
| Account Closing Fee (If closed in first 90 days) |
$10.00 per account |
| Check Orders |
Variable |
| Debit Card Replacement |
$5.00 per card |
| Dormant Account Fee (Up to 12 months) |
$5.00 per month |
| Insufficient Funds/ Uncollected Funds1 |
$32.50 per item |
| Overdraft Protection Transfers 2 |
$10.00 per transfer |
| Returned Cashed Checks |
$ 6.00 per item |
| Returned Deposit Items |
$ 6.00 per item |
| Stop Payment Fee |
$32.50 per stop pay |
1 When you do not have enough available funds in your account to cover an item, we may either pay the item and overdraw your account (an overdraft item) or we may return the item unpaid (a returned item). In either case, we may charge you a fee. An “item” includes each order or instruction for the payment, withdrawal or transfer of funds from your account. Examples of items are checks, an in-person withdrawal, an ATM or Debit Card withdrawal, or other electronic means.
2 Automatically transfer funds from a linked One
Georgia Bank savings account to cover overdrafts.
Transfers will be made in increments of $100. Fee will be
charged per transfer. Contact one of our banking offices
to sign up for automatic Overdraft Protection Transfers
from your savings account.
Member FDIC | 
Equal Housing Lender | Equal Opportunity Lender