Main - 706.485.9941 ~ Lake Oconee - 706.485.9858

Personal Banking

Personal Checking Accounts

Regular Checking
  • Unlimited check writing privileges.
  • Minimum opening deposit: $200
  • Account Fees: Personal accounts $7 monthly.   Fess may be avoided if you maintain a minimum daily balance of $500.
  • Statement Period: Monthly
  • Cost of check printing varies on the style of checks ordered
Direct Deposit Checking
  • Unlimited check writing privileges.
  • Minimum opening deposit: $200
  • At least one PAYROLL direct deposit must be made each month
  • NO Account Fees
  • Cost of check printing varies on the style of checks ordered
Platinum Checking (50+)
  • Unlimited check writing privileges.
  • Minimum Opening Deposit: $200
  • No service charge or monthly minimum balance requirements.
  • Rate Information: This account is an interest bearing account as long as a daily balance of $1000 is maintained. This interest rate and annual percentage yield are included in the Rate Chart. 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 $1000 to obtain the disclosed annual percentage yield.
  • Statement Period: Monthly
  • Customer will receive one box of single (non carbon) personal checks per year at no charge.
Student Checking
  • Unlimited check writing privileges.
  • Minimum Opening Deposit: $100
  • No service charge or monthly minimum balance requirements.
  • Statement Period: Monthly
  • Cost of check printing varies on the style of checks ordered.

*A valid student ID or proof of enrollment will be required to open and maintain this account.

NOW Account
  • This account is an interest bearing account with unlimited check writing privileges.
  • Minimum Opening Deposit: $1,000
  • Rate Information: The interest rate and annual percentage yield are included in the Rate Chart (available upon request). 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 deposits 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 $1,000 to obtain the disclosed annual percentage yield.
  • Account Fees for personal accounts: Each month you will be assessed a service charge of $8. You may avoid this fee if you maintain a daily balance of $1,000.
  • Statement Period: Monthly

 

Money Market Account (IMMA)
  • This account is an interest bearing account with limited check writing privileges.
  • Minimum Opening Deposit: $2,500
  • Rate Information: The interest rate and annual percentage yield are included in the Rate Chart (available upon request). 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. If your account falls below $2,500 anytime during the month, the rate paid is equal to the NOW account rate.
  • Limitations: The account is limited to six preauthorized transfers per month. Transfers or withdrawals made in person at the bank are permissible in unlimited numbers. If the account exceeds the limitations stated above more than three times in a rolling 12 month period, the account will be converted to another type of checking account or non-interest bearing deposit account.
  • Account Fees: We will charge $5 for any transaction beyond six per month.
  • Statement Period: Monthly
Health Savings Account
  • 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.

Savings Accounts

Golden Savings
  • 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

 

Moola Moola Savings
  • Interest-bearing account for children through age 11.
  • Minimum Opening Deposit: $10.00
  • 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

 

*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.

Helpful Links:

Re-Order Checks

Bank Owned Property

Credit Card Log-In

Wire Instructions

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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