Main - 706.485.9941 ~ Lake Oconee - 706.485.9858

Personal Checking Accounts

Regular

  • Unlimited check-writing privileges
  • Minimum Opening Deposit: $200.00
  • Account Fees: Personal accounts $7.00 monthly
  • No fees if you maintain a daily balance of at least $500

Platinum (50+)

  • Unlimited check-writing privileges
  • Minimum Opening Deposit: $200
  • No Account Fees
  • One box of single personal checks per year at no charge

Student

  • Unlimited check-writing privileges.
  • Minimum Opening Deposit: $100.00
  • No Account Fees
  • Must be a current student under the age of 25
  • A Valid Student ID must be presented when opening account

NOW Account

  • Interest-bearing account with unlimited check writing privileges.
  • Minimum Opening Deposit: $1,000.00
  • Account Fees: Minimum daily balance of $1,000 or  $8.00 monthly fee

Money Market

  • Interest-bearing account with limited check writing privileges
  • Minimum Opening Deposit: $2,500.00
  • Balance Information: Minimum daily balance of $2,500 to obtain the disclosed APY; if balance falls below $2,500 the rate paid is equal to the NOW Account Rate
  • Limitations: Limited to six pre-authorized transfers per month
  • Account Fees: $5.00 for any transaction beyond six per month

Heath Savings

  • Minimum Opening Deposit: $100.00
  • Covered under a HSA qualified “high deductible health plan”
  • No other first-dollar medical coverage
  • Cannot be enrolled in or eligible for Medicare
  • Cannot be claimed as a dependent on another person’s tax return
  • Balance Information: Minimum daily balance of $500 to obtain the disclosed APY
  • Limitations: Check writing privileges are limited to the purchase of medical expenses, treatments and/or medical care.
  • No Account Fees

*Balance Information:  We use the daily balance method to calculate the interest on an account.  This method applies to a daily periodic rate to the principle in the account each day.  You must maintain the minimum daily balance on the account to obtain the disclosed annual percentage yield.

Personal Savings Accounts

Golden

  • Interest-bearing account
  • Minimum Opening Deposit: $100.00
  • Balance Information: Maintain at least a $100 balance at all times to earn interest and remain open.
  • Limitations: The account is limited to six withdrawals per month; charged a $2 fee for every deposit over the 6 per month limit
  • Account Fees:  $50 charge if you close your account within 90 days of account opening; $20 charge for any withdrawals made within 90 days of account opening

Christmas Club

  • Interest-bearing account.
  • Minimum Opening Deposit: $25.00
  • Account Information: Account matures the last Friday in October of each calendar year. A check for the account balance, including interest, will be mailed on the first Friday of November.
  • Account Fees: Penalty of $20 per withdrawal

Moola Moola

  • Interest-bearing account for children through age 11.
  • Minimum Opening Deposit: $10.00
  • Limitations: The account is limited to six withdrawals per month; charged a $2 fee for every deposit over the 6 per month limit
  • Account Fees:  $50 charge if you close your account within 90 days of account opening; $20 charge for any withdrawals made within 90 days of account opening

*Balance Information:  We use the daily balance method to calculate the interest on an account.  This method applies to a daily periodic rate to the principle in the account each day.  You must maintain the minimum daily balance at all times to earn interest and remain open.

Cds and IRAs

Certificates of Deposit (CDs)

91 Day

182 Day

1 Year

2 Year

30 Month

3 Year

4 Year

5 Year

*Minimum deposit to open a CD is $500.  Interest will be earned on all balances and will be computed on the daily balance.

Individual Retirement Accounts

Traditional IRA

Roth IRA

SEP IRA

*Minimum deposit to open a CD is $500.  Interest will be earned on all balances and will be computed on the daily balance.

MasterCard and Debit/ATM Card

Click Image to Access Your Account Online

Click Image to Download MasterCard Application

To Report Lost or Stolen Cards Call (800) 472-3272

For a Complete Schedule of Fees Click Here

Main Branch

Main Branch

Downtown Eatonton

100 S. Madison Avenue
Eatonton, Ga. 31024
(706) 485-9941

Monday & Tuesday:  9am to 5pm
Wednesday:  9am to 1pm
Thursday & Friday:  9am to 5pm
Saturday (Drive-Thru only):  8:30am to 12:30pm
Drive-Thru Opens Daily 8:30am

Lake Oconee Branch

Lake Oconee Branch

Harmony Crossing

1011 Lake Oconee Parkway
Eatonton, Ga. 31024
(706) 485-9858

Monday - Friday:  9am to 5pm
Saturday (Drive-Thru only):  8:30am to 12:30pm
Drive-Thru Opens Daily 8:30am

Electronic Banking

Electronic Banking

Bank on YOUR Schedule...Not Ours!

FMB offers convenient online & mobile services:

  • Online Banking
  • Mobile Banking
  • Text Banking
  • eStatements
  • Bill Pay
  • 24/7 Deposit ATMs

NOTICE:  FMB is not responsible for and has no control over the subject matter, content, information or graphics of the websites that have links here.

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