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You deserve preferred treatment. At First Bank of Coastal Georgia, we are
committed to giving you the banking experience you deserve. Our checking
accounts are designed with you, the customer, in mind. With five personal
checking accounts to choose from, we are assured you will find one that fits
your financial life style. Our foremost commitment is to provide you with the flexibility
you need to stay in touch with your money.

Many people bank with First Bank of Coastal Georgia , and here is why:

  • Direct Deposit Service
  • Overdraft Protection
  • MasterMoney Card
  • Automated Teller Machine (ATM) access.24-hour access to funds
  • Monthly and Quarterly Statements with Check Imaging

REGULAR CHECKING

Basic banking conveniences right at your finger tips!

  • $100 minimum deposit to open this account
  • $2 monthly account maintenance fee
  • No fees charged if account maintains a $300 minimum daily balance or $1000 average balance
  • $0.15 fee for each debit transaction in excess of 15 during statement cycle
  • Unlimited access to First Bank of Coastal Georgia's ATM
  • Monthly statements

FBCG CLUB CHECKING

Banking made easy!

  • $100 minimum deposit to open this account
  • Accidental Death and Dismemberment Insurance (Not insured by the FDIC)
  • No minimum balance required
  • No per check charge
  • Unlimited Access to First Bank of Coastal Georgia 's ATM
  • Monthly statements

See a First Bank of Coastal Georgia representative for fee information

Special Insurance Program Notes:
The description herein is a summary only. It does not include all terms, conditions and exclusions of the policies described. Please refer to the actual policies for complete details of coverage and exclusions. Insurance is offered through the company named on the certificate of insurance.

Insurance Products:
Not insured by FDIC or any Federal Government Agency. Not a deposit of or guaranteed by the bank or any bank affiliate.

NOW ACCOUNT CHECKING

Finally, the best of checking and saving account options combined!

  • $1,000 minimum deposit to open this account
  • $3 monthly account maintenance fee
  • $0.15 fee for each debit transaction
  • No fees charged if account maintains a $1,000 minimum daily balance or a $1,500 average balance
  • Interest compounded monthly, credited monthly
  • Unlimited access to First Bank of Coastal Georgia's ATM
  • Monthly statements

GOLD CHECKING

Designed mainly for those age 55 and up, includes free checks!

  • $100 minimum deposit to open this account
  • No monthly account maintenance fee
  • Free supply of personalized checks (First Bank of Coastal Georgia basic, wallet style)
  • Unlimited use of First Bank of Coastal Georgia's ATM
  • Monthly statement
  • Free 2x5 safe deposit box

DISCLOSURE OF ACCOUNT TERMS

This disclosure applies to consumer accounts and contains account information about Now Account Checking, Regular Savings, Senior Savings, Minor Savings or Money Market/Money Market Maximizer.

The daily balance method is used to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day. For Now Account Checking, Regular Savings, Senior Savings, Minor Savings or Money Market/Money Market Maximizer, the average balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period.

Your interest rate and annual percentage yield may change. Interest will be compounded every month (every quarter for savings) and credited at the close of the statement cycle. At our discretion we may change the interest rate on your account at any time. If you close your account before interest is credited, you will receive the accrued interest.

Interest begins to accrue on the first business day after the banking day you deposit noncash items (for example, checks).


Member FDIC


First Bank of Coastal Georgia

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