We know you're busy and can't afford to waste time managing your money, so we offer a number of ways to make your personal banking easier, faster, more convenient, and FREE.


Online Banking Services

Our online banking services help you make the most of your money and your time. They put you in control of when and where you manage your accounts – and they're all FREE!


Mobile Banking*

All you need is a mobile device to bank virtually anywhere at anytime! Our mobile banking solutions are quick, FREE, and offer you the convenience of banking your way…through text banking, web banking, or using our app for the iPhone®, iPad®, or Android™.

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Mobile Deposit*   

Making deposits with your smart device is as easy as 1, 2, 3! Simply tap our app, sign-in, tap “Deposits”, take a photo of the front and back of the check, and "Deposit". The deposit is now complete! This valuable service is secure, convenient, and FREE!



This online, person-to-person payment system allows you to securely send funds from your checking account to virtually anyone in the U.S. with an email address. Payments are easy, convenient, and FREE.

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e-Statements and e-Notices

Once you have Internet B@nking, these FREE services enable you to receive your monthly statements and periodic notices electronically rather than through the mail. They deliver a convenient, more secure way to stay up to date with your accounts.

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Bill P@y

Save on postage stamps, stop writing checks, and bank on your schedule with FREE online Bill P@y. You can pay any person or business in the U.S. over our secure website, set up single or recurring payments, track payments automatically, and view payments online.

Click here for an online demo >>


Internet B@nking

Get secure access to your accounts whether you're at home, at the office, or on the road with FREE Internet B@nking. You can view all of your accounts online, transfer funds, access statements, make payments, obtain rate information, view checks, and download account activity.

Click here for an online demo >>

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Debit Card

Our debit card gives you a FREE, convenient, and secure way to pay for your purchases or recurring bills (cell phone, insurance, utilities, etc.) from your checking account. Use it at ATMs to get the cash you need, and use it instead of checks anywhere you see the MasterCard® logo (that's over 29 million businesses worldwide).

Credit Cards

What do you want most from your credit card? Now you have a choice. Whatever your needs, we have a credit card that’s right for you!

Click here to compare >>

Telephone Banking

Call 706.729.0024 in Georgia or 803.649.0048 in South Carolina for your 24-hour telephone connection to the banking information you need most often. You can quickly make account balance inquiries, review current transactions, verify deposits and transactions, verify interest paid and earned during tax time, obtain rate information, transfer funds between accounts, and even get a statement faxed to you.

Direct Deposit

You can conveniently deposit money into your account without making an extra trip to the bank. With direct deposit, your payroll, retirement, interest, and dividend checks can be automatically deposited without risk of being lost in the mail.

 *You may be charged access fees by your mobile provider based on your individual plan. Check with your mobile provider for details on specific fees and charges. If you are a new account holder and your account has been in good standing for at least 30 days, you will be automatically enrolled for Mobile Deposits.

 iPhone and iPad are registered trademarks of Apple Inc. Android is a trademark of Google Inc. MasterCard is a registered trademark of MasterCard Worldwide.

Checking >>

Totally Free Checking is FREE and has all the conveniences of a MOBILE lifestyle!

Savings >>

Life happens and when it does, be prepared. Open your safe, flexible, savings account today!

Loans >>

Would you like to upgrade, but don't have the cash? We have anything loans, so upgrade your tablet, phone, or computer!