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.

  • ATM cards available for use with checking accounts and no fee charged when used at MACON BANK & TRUST COMPANY ATMs.
  • Seniors (65 & over) & students are exempt from monthly charge.

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Bonus Checking

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.

If you need to reorder checks use our secure Check Reorder Form.

Benefits:

Earn 1.26% APY on balances from 1¢ – $30,000 Yields range from 1.26% APY to .25% APY on balances over $30,000 **If qualifications are met

-Or-

Base Rate .25% APY **If qualifications are not met

**To qualify for Bonus Checking, perform the following each “statement cycle”:

  • At least 12 POS (debit card) purchases posted and cleared
  • Receive electronic statement
  • One direct deposit or ACH auto debit


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Regular Checking

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.

If you need to reorder checks use our secure Check Reorder Form.

Benefits:

  • Macon Bank & Trust Company ATM Access – No Charge
  • No Monthly Service Charge with a balance of $300 or more
  • $5.00 Monthly Service Charge on balances below $300


Community Club  Checking Account

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.

If you need to reorder checks use our secure Check Reorder Form.

Benefits:

  • Macon Bank & Trust Company ATM Access – No Charge
  • No Minimum Balance Requirements
  • $5.00 Monthly Service Charge
  • “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
  • $10,000 Accidental Death &
  • Dismemberment Insurance
  • $100,000 Common Carrier Insurance
  • $5,000 Identity Fraud Expense Coverage

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Interest Checking Account and
Interest Checking Club Account*

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.

If you need to reorder checks use our secure Check Reorder Form.

Benefits:

  • Macon Bank & Trust Company ATM Access – No Charge
  • No Monthly Service Charge with a balance of $1000 or more
  • $5.00 Monthly Service Charge on balances below $1000
  • *Interest Checking Club Account-Additional charge of $3 if your account falls below $1000.

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Advantage Account

Click here to View Brochure

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.

If you need to reorder checks use our secure Check Reorder Form.

Benefits:

  • 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

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Money Market Investment Account (MMIA)

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.

If you need to reorder checks use our secure Check Reorder Form.

Benefits:

  • Macon Bank & Trust Company ATM Access – No Charge
  • No Monthly Service Charge with a balance of $2,500 or more
  • $5.00 Monthly Service Charge on balances below $2,500
Transfers from a Money Market Investment Account to another account or to third parties by preauthorized, automatic, or telephone transfer or by check, draft or similar order to third parties are limited to six per statement cycle.  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.

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.

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Regular Savings Account

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.

If you need to reorder checks use our secure Check Reorder Form.

Benefits:

  • 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.
Transfers from a Regular Savings Account to another account or to third parties by preauthorized, automatic, or telephone transfer or by check, draft or similar order to third parties are limited to six per statement cycle.

Christmas Club Account

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.

If you need to reorder checks use our secure Check Reorder Form.

Benefits:

  • 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

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Money Tree Kids Club

Click Here to view Brochure

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.

If you need to reorder checks use our secure Check Reorder Form.

Benefits:

  • 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.

Other Charges

Stop Payments, each: $15.00
Overdrafts, each insufficient check paid beginning first day of overdraft: $26.00
Returned checks, each: $26.00
Sending a wire: $15.00
Receiving Wire (Customer): no charge

Fax Charge:

Outgoing $8.00
Incoming $5.00