Checking Accounts

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.

  • 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.

Bonus Checking


  • Earn 1.51% APY (Annual Percentage Yield) on balances from 1¢ – $30,000 and .25% APY on balances over $30,000 each statement cycle **if qualifications are met. -Or-
  • Earn the Base Rate of .25% APY each statement cycle **if qualifications are not met.

All rates are effective as of July 10, 2018. We may change your rate at any time after the account is opened. **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

If qualifications are not met & balance falls below $300.00 a Balance Requirement Fee of $6.00 will be imposed. If qualifications are not met per statement cycle the account will still function as an Interest Checking account.

Regular Checking


  • Macon Bank & Trust Company ATM Access – No Charge
  • No Monthly Service Charge with a balance of $300 or more
  • $6.00 Monthly Service Charge on balances below $300

Community Club Checking Account


  • Macon Bank & Trust Company ATM Access – No Charge
  • No Minimum Balance Requirements
  • $7.00 Monthly Service Charge
  • “SaversGuide” Discount Book
  • Credit Card Registration
  • Credit File Monitoring
  • Key Tag Return
  • Free Notary Service
  • No Service Charge Cashiers Checks
  • 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

Interest Checking Account and Interest Checking Club Account*


  • Macon Bank & Trust Company ATM Access – No Charge
  • No Monthly Service Charge with a balance of $1000 or more
  • $6.00 Monthly Service Charge on balances below $1000
  • *Interest Checking Club Account-Additional charge of $3 if your account falls below $1000.
  • $7.00 Monthly Service Charge on balances below $1000

Advantage Account


  • 50 Years and older (limit one account per individual)
  • Free checks (wallet style)
  • Interest Bearing
  • Unlimited check writing
  • $6 service charge if balance drops below $100
  • Signature Guarantee Service
  • 10% Annual Discount on Safe Deposit Box
  • Free Cashier’s Checks
  • Credit Card Registration
  • Insurance Benefit for Advantage Checking
  • $5,000 Identity Fraud Expense Coverage


Free E – Checking


    • Free E-Statements
    • Free cash withdrawals at participating SUM Network ATMs Nationwide

SUM Network ATMs

  • Free Online Banking
  • Free Mobile Banking with Mobile Deposit
  • Free Online Bill Pay
  • Free MasterCard Debit Card
  • 50 Free Checks at account opening
  • *if you are not enrolled in e-statements a $6 minimum balance service charge will apply if your account balance falls below $300 any day during the statement cycle.

Other Charges

  • Stop Payments, each: $20.00
  • Statement Reproduction – each statement: $5.00
  • Research – per hour: $25.00
  • Overdrafts, each insufficient check paid beginning first day of overdraft: $28.00 Maximum total OD Fee $168 per day for consumer accounts. Whether your overdrafts will be paid is discretionary and we reserve the right not to pay if your account is not in good standing, or you are not making regular deposits, or you have too many overdrafts. Overdrawn balances must typically be repaid within 45 days.
  • Returned checks, each: $28.00 (No maximum per day)
  • OD/returned items may be created by check, in person withdrawal, ATM withdrawal, or other electronic means.
  • Sending a wire: $15.00
  • Sending an international wire: $50
  • Receiving Wire (Customer): no charge

Fax Charge:

  • Outgoing $8.00
  • Incoming $5.00