Savings Accounts

Money Market Investment Account (MMIA)

Benefits:

  • Macon Bank & Trust Company ATM Access – No Charge
  • No Monthly Service Charge with a balance of $2,500 or more
  • $6.00 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.

Regular Savings

Benefits:

  • Minimum opening deposit: $10.00
  • A $5 service charge will be applied if the balance falls below $10 during the quarter.
  • 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

Benefits:

  • Minimum opening deposit is $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
  • Transfers from a Christmas Club Savings Account to another account or to third parties by preauthorized, automatic, telephone transfer, by check, draft or similar order to third parties are limited to six per statement cycle.

Money Tree Kids Club

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 three.
  • $2.00 service charge if account falls below $10.00 during the quarter.
  • Interest is paid quarterly.
  • Transfers from a Money Tree Kids Club Savings Account to another account or third parties by preauthorized, automatic, or telephone transfer or by check, draft or similar to third parties are limited to six per 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