Deposit Products
Macon Bank & Trust Company offers a deposit product to meet your needs. To obtain more information, or open an account, just stop by one of our convenient locations.
Checking Services
REGULAR CHECKING ACCOUNT
| Balance | Monthly Charge |
| Less than $300: | $5.00 |
| $300 or more | No charge |
ATM cards available for use with checking accounts and no fee charged when used at MACON BANK & TRUST COMPANY ATM’s.
Seniors (65 & over) & students are exempt from monthly charge.
Types of Checking Accounts offered:
- Regular Checking
- Community Club Checking
- Interest Checking
- Interest Checking Club Account
- Money Market Investment Account
- Business Regular Checking
- Business Interest Checking
- Business Money-Market Investment Account
- Advantage Account
- Free Student Checking Account
COMMUNITY CLUB CHECKING ACCOUNT
| Account | Monthly Charge |
| Regular | $5.00 |
No minimum balance requirements.
Specifics of Coverages for Community Club Accounts
Benefits of Community Club Accounts
- "SaversGuide" Discount Book
- Credit Card Registration
- Credit File Monitoring
- Key Tag Return
- Free Notary Service
- No Service Charge Cashiers Checks
- No Service Charge Visa Travel Money Cards
- Personalized Standard Style Checks
- Unlimited Check Writing
- Walk-In Pharmacy Card
- EyeBenefits discount program
- Hearing discount plan
Insurance Coverage for Community Club Accounts
Community Club -
$10,000 Accidental Death & Dismemberment Insurance
$100,000 Common Carrier Insurance
$5,000 Identity Fraud Expense Coverage
INTEREST CHECKING ACCOUNT
| Balance | Monthly Charge |
| Less than $1000 | $5.00 |
| $1000 or more | No Charge |
INTEREST CHECKING CLUB ACCOUNT
| Account | Monthly Charge |
| Regular | $5.00* |
MONEY MARKET INVESTMENT ACCOUNT (MMIA)
| Minimum Balance | Monthly Charge |
| Less than $2,500 | $5.00 |
| $2,500 or more | No Charge |
Preauthorized withdrawals and transfers of funds from this account are limited to six per month. Three of such withdrawals may be made by check. For each withdrawal exceeding these limits your account will be charged $5.00. There is no charge for withdrawals made in person at the bank.
ADVANTAGE ACCOUNT
View Brochure
- 50 Years and older
- Free checks (wallet style)
- Interest Bearing
- Unlimited check writing
- $5 service charge if balance drops below $100
- Signature Guarantee Service
- Discount on Safe Deposit Box
- No Issue Fee Visa TravelMoney Cards
- Free Cashier’s Checks
- Credit Card Registration
Insurance Benefit for Advantage Checking
$5,000 Identity Fraud Expense Coverage
BUSINESS REGULAR CHECKING ACCOUNT
| Balance | Monthly Charge |
| Less than $1000 | $5.00 |
| $1000 or more | No Charge |
Church, Club, Cemetery, Estate, Escrow, Payroll, and Non-Profit Organizations are exempt from charge.
BUSINESS INTEREST CHECKING ACCOUNT
| Balance | Monthly Charge |
| Less than $1000 | $5.00 |
| $1000 or more | No Charge |
Savings Accounts/Retirement
MACON BANK & TRUST welcomes you to save with us. All of us must save to be prepared for the unexpected. Our accounts pay competitive interest rates and are designed for you. Come in today and start saving for the future.
REGULAR SAVINGS ACCOUNT
Minimum opening deposit: $10.00 Deposits or withdrawals may be made anytime. 3 withdrawals allowed per calendar quarter with no penalty. $1.00 penalty per withdrawal after 3. Interest is paid quarterly.
MONEY TREE KIDS CLUB
The Money Tree Kids Club is for children 0-12. Children receive a gift upon opening of account. Minimum opening deposit :$10.00. Deposits or withdrawals may be made anytime. 3 withdrawals allowed per calendar quarter with no penalty. $1.00 penalty per withdrawal after 3. Interest is paid quarterly. $2.00 Service charge if account falls below $10.00 at the end of each quarter.
CHRISTMAS CLUB ACCOUNTS
- Minimum $10
- May deposit $1,000 per month
- $5 service charge if withdrawal prior to check issue
- If account closed before November issue, no accrued interest paid
CERTIFICATES OF DEPOSIT
Our rates are very competitive in our market and are subject
to change weekly.
| Time to Maturity |
Minimum Deposit |
| 30 - 182 days | $2,500.00 |
| 12 months | $2,500.00 |
| 18 months | $1,000.00 |
| 24 months | $1,000.00 |
| 36 months | $1,000.00 |
| 48 months | $1,000.00 |
| 60 months | $1,000.00 |
INDIVIDUAL RETIREMENT ACCOUNT (IRA)
Our Individual Retirement Account (IRA) is a great way to
insure that you will have a comfortable retirement. Not only
will it benefit you after you retire, but could be an
immediate tax deduction on your federal income taxes. The
interest you earn on this account could also be tax deferred
until a distribution is started. It’s a great way to prepare for
your future. Come by or call today.
This account is insured by the FDIC up to $250,000 (per depositor).
Other Charges
Stop Payments, each: $15.00
Overdrafts, each insufficient check paid beginning first day of overdraft: $24.00
Returned checks, each: $24.00
Sending a wire: $15.00
Receiving Wire (Customer): no charge
Receiving Wire (Non-Customer): $15.00
Fax Charge:
Outgoing $8.00
Incoming $5.00
