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Southwest Georgia Bank
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Public Checking


Freedom Public Checking

An easy simple solution account with no balance requirement and limited items.  Statutory Authorities of all kinds may be interested in this account.

  • No monthly service fee
  • Minimum opening deposit is $100
  • No per charge item for the first 300 items, deposits and debits
  • Excess Items are subject to a per item charge
  • Free Online Banking, Online Bill Pay and Electronic Statements
  • Paper statements can be obtained for a small monthly fee


Inquire to see if balances in excess of insured limits will be covered by the State Treasurer’s Pledging Pool.


Public NOW Checking

Public entities with moderate volume and higher balances will find this account the perfect checking solution. 

  • Account earns the Premier Rate
  • Minimum opening deposit is $100
  • If you maintain a $10,000 minimum daily or a $25,000 average collected balance the $15 monthly service fee will not be assessed
  • Comes with free Online Banking, Online Bill Pay, Electronic Statements or paper statements with images
  • Up to 600 free items per month, deposits and debits
  • Excess items are subject to a per item charge
  • Many Cash Management solutions can be added a la carte or as a suite


Inquire to see if balances in excess insured limits will be covered by the State Treasurer’s Pledging Pool.


Public Commercial Checking

The perfect checking account for City, County, State or a Statutory Authority’s primary operating account. 

  • $15 monthly service fee
  • Minimum opening deposit is $100
  • No minimum balance requirement
  • An earnings credit, based on the 13 week Treasury Bill less 25 basis points with a cap of 5%, can offset analysis charges and significantly lower the cost of the account
  • Comes with free Online Bill Pay and Online Banking
  • Electronic or paper statements with images available depending on preference
  • This account is on analysis and multiple public commercial checking accounts can roll up into the analysis, ensuring that full credit is given for all balances
  • Cash Management solutions are available both a la carte or as a suite, and the fees, included as part of the analysis charges are also offset by the earnings credit

Inquire to see if balances in excess of insured limits will be covered by the State Treasurer’s Pledging Pool.