Main - 706.485.9941 ~ Lake Oconee - 706.485.9858

Personal Banking

Personal Checking Accounts

Individual Checking
  • Unlimited check writing privileges.
  • Minimum opening deposit: $500
  • Account Fees: Each month you will be assessed a service charge of $10 if you do not maintain a daily minimum balance of $500.

     

Commercial Checking
  • Unlimited check writing privileges.
  • Minimum opening deposit: $1,000
  • Account Fees: Each month you will be assessed a service charge of $10 if you do not maintain a daily minimum balance of $1,000.
Platinum Checking
  • Unlimited check writing privileges.
  •  Minimum opening deposit: $1,000
  •  Account Fees: Each month you will be assessed a service charge of $10 if you do not maintain a daily minimum balance of $1,000.
  •  Rate Information: This account is an interest bearing account as long as a daily balance of $1,000 is maintained. At our  discretion, we may change the interest rate on the account at any time. Interest will be accrued on a daily balance, compounded monthly and credited monthly. If you close the account before interest is credited, you will not receive the accrued interest.
  •  Balance Information: We use the daily balance method to calculate the interest on the account. This method applies to a daily periodic rate to the principle in the account each day. You must maintain a minimum daily balance of $1,000 to obtain the disclosed annual percentage yield. 
Money Market Account (MMA)

Individual & Commercial Money Market Accounts

  •  Interest bearing accounts with limited check writing privileges.
  •  Minimum Opening Deposit: $2,500
  •  Rate Information: The interest rate and APY may change. At our discretion, we may change the interest rate on the account at any time. Interest begins to accrue on the first  business day of your deposit for either cash or non-cash items (checks) if received by 5:00 PM. Interest will be compounded monthly and credited to the account monthly. If you close your account before interest is credited, you will not receive the accrued interest.
  •  Balance Information: We use the daily balance method to calculate the interest on the account which applies to a daily periodic rate to the principle in the account each day. You must maintain a minimum daily balance of $5,000 to obtain the disclosed interest rate.
  •  Account Fees: Each month you will be assessed a service charge of $10 if you do not maintain a daily minimum balance of $2,500. We will charge $5 for each withdrawal beyond six per month.

*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.

 

Savings Accounts

Golden Savings
  • Interest-bearing account

  • Minimum Opening Deposit: $100.00

  • Rate Information: The interest rate and APY may change. At our discretion, we may change the interest rate on the      account at any time. Interest begins to accrue on the first  business day of your deposit for either cash or non-cash items (checks) if received by 5:00 PM. Interest will be       compounded and credited to the account quarterly. If you close your account before interest is credited, you will not receive the accrued interest.

  • Balance Information: Maintain at least a $100 balance at all times to earn interest and remain open and to avoid a $10 monthly service charge.

  • 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; a $5 charge for each withdrawal over six per month.

     

 

Moola Moola Savings
  • Interest-bearing account for children through age 11.
  • Minimum Opening Deposit: $10.00
  • Rate Information: The interest rate and APY may change. At our discretion, we may change the interest rate on the account at any time. Interest begins to accrue on the first  business day of your deposit for either cash or non-cash items (checks) if received by 5:00 PM. Interest will be compounded and credited to the account quarterly. If you close your account before interest is credited, you will not receive the accrued interest.
  • Balance Information: Maintain at least a $10 balance at all times to earn interest and remain open.
  • 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; $5 charge for each withdrawal over six per month.

     

 

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

 

*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.

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
  • Mobile Deposit
  • 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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