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.
  • Our Senior Checking Account (65 & over) & Student Checking Account are exempt from monthly service charges.

Hero Checking

Benefits:

  • Foreign ATM surcharge refunds, up to 4 per month

  • Free cash withdrawals at participating SUM Network ATMs

  • Free access to the SecurLOCK Equip app to receive debit card alerts and manage cards

  • Access to online banking, bill pay and e-statements

  • 40 free basic checks at account opening

  • Free MasterCard debit card

  • No minimum balance service charge

  • Visit: https://www.sum-atm.com/ for a list of Sum Network ATMs to withdraw funds surcharge free!

Serving the Heroes that serve our community!


Bonus Checking

Benefits:

  • 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 minimum balance service charge 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

Benefits:

  • Macon Bank & Trust Company ATM Access – No Charge
  • No minimum balance service charge with a balance of $300 or more
  • Minimum balance service charge of $6.00 will apply if balance falls below $300 any day during the statement cycle. 

Community Club Checking Account

Benefits:

  • Macon Bank & Trust Company ATM Access – No Charge
  • Club Fee $7.00
  • “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 

Benefits:

  • Macon Bank & Trust Company ATM Access – No Charge
  • No minimum balance service charge with a balance of $1000 or more every day of the statement cycle. 
  • Minimum balance service charge of $6.00 will apply if balance is below $1000 any day during the statement cycle. 

Interest Checking Club Account

Benefits:

  • Macon Bank & Trust Company ATM Access – No Charge
  • $7.00 Club Fee  
  • Additional minimum balance service charge of $3 if your account falls below $1000 any day during the statement cycle. 

Advantage Account

Benefits:

  • 50 Years and older (limit one account per individual)
  • Free checks (wallet style)
  • Interest Bearing
  • Unlimited check writing
  • Minimum balance service charge of $6 will apply if balance drops below $100 any day during the statement cycle. 
  • 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

E-Checking

Benefits:

  • Free E-Statements*
  • Free cash withdrawals at participating SUM Network ATMs Nationwide
  • Free Online Banking
  • Free Mobile Banking with Mobile Deposit
  • Free Online Bill Pay
  • Free MasterCard Debit Card
  • 40 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
  • You will be assessed a Paid Items Overdraft Fee of $28.00 per item paid into overdraft, with a Maximum total fee of $168.00 per day for consumer accounts.

  • You will be assessed a Returned Items NSF Fee of $28.00 per item returned NSF. (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