One Georgia Savings^*

Experience a savings account with low minimum balance requirements, easy access to funds and competitive rates.  Set up automatic transfers from your checking account to help you save.

• Minimum deposit to open $100.
• No minimum balance required to earn interest.
• Interest calculated on daily collected balance.
• Interest is compounded and credited quarterly.
• Free on-line banking, bill pay and electronic statements.
• Transaction limits apply. ¹
• Excess transaction fee of $10 per item.
• Quarterly account statements.
• Monthly account statements if you have electronic funds transfer activity.
• Source of overdraft protection for checking account.
• Monthly service charge of $5 if minimum daily collected balance falls below $500.
• No minimum balance requirements and no monthly service charge if for the benefit of a minor (less than 18 years old).

One Georgia Relationship Savings ^*

Experience a higher rate of interest, low minimum balance requirements and easy access to funds to help you save with a relationship account at One Georgia Bank.  Designed for new or existing customers depositing new money to a One Georgia Bank Relationship Savings Account and having a personal checking account with direct deposit.  New money is defined as funds not currently on deposit at One Georgia Bank.  Set up automatic transfers from your checking account to help you save.

• Minimum deposit to open $100.
• No minimum balance required to earn interest.
• Tiered interest rate structure
  
  $0 - $9,999.99
  Over $10,000 
  
  
• Interest calculated on daily collected balance.
• Interest is compounded and credited quarterly.
• Free on-line banking, bill pay and electronic statements.
• Transaction limits apply. ¹
• Excess transaction fee of $10 per item.
• Quarterly account statements.
• Monthly account statements if you have electronic funds transfer activity.
• Source of overdraft protection for checking account.
• Monthly service charge of $5 if minimum daily collected balance falls below $500.
• No minimum balance requirements and no monthly service charge if for the benefit of a minor (less than 18 years old).

* Other Deposit Account Activity Fees may apply.  Please refer to our Fee Schedule for Personal Accounts for additional information.

1 Federal regulations allow no more than six (6) withdrawals or transfers in a monthly statement cycle for savings accounts. Transactions by telephone, wire, online banking or bill payment transfers, ACH, pre-authorized transfer, automatic transfer, and if the account permits transfers by check, draft, debit card or point of sale transactions to a third party are counted in the six-transaction limit.  An excessive transaction fee of $10 is assessed per item, regardless of the balance, if more than the combined total of checks, debits and transfers exceed six (6) transactions during the statement period.  If you routinely exceed these withdrawal limitations, the bank may transfer the balance to another type of account or close the account.