*Annual Percentage Yield (APY) is accurate as of 7/3/08. This 5% APY is available to new or existing customers depositing up to $10,000 in new money to a One Georgia Bank personal savings account and having a One Georgia Bank personal checking account with either direct deposit or online bill payment. Savings accounts with balances over $10,000 will earn 2% APY. New money is defined as funds not currently on deposit at One Georgia Bank. Minimum opening deposit $100. Rates may vary after account opening. Fees could reduce earnings on the account. Transaction limits apply.