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Online & Mobile Banking

The only way to go when you're on the go.

With Online Banking from SGB, you can securely access your accounts 24 hours a day, 7 days a week. With SGB Online Banking you are not tied to a single location either. Anywhere you can plug your modem into a phone line and access the internet; you can access your accounts, check your balances, pay your bills, transfer funds between accounts and correspond with the bank.

Also, with SGB Business Online Banking, we provide you with all the financial tools to manage your business. Learn More about our cash management products and services.


Sign Up for SGB Online Banking

Your Account

By accessing your online banking account, you get access to the following services:

  • Account Information
  • Funds Transfer
  • Bill Payment
When you have Online Bill Pay from SGB, you'll have more freedom to enjoy life. Here's how Online Bill Pay gives you convenience, savings and security. You can:

  • View and pay your bills electronically, all in one place
  • Make secure payments to any person or company anywhere, anytime
  • Verify your account balance as you pay your bills
  • Automate recurring payments to save time each month
  • Receive emails and text reminders when bills are due
Learn more about Online Bill Pay, click here!

Online Banking Security

At SGB, protecting your personal account information is our top priority. We understand that the security of your private information is important to you. We also understand that our continued success as a financial institution relies on both our ability to offer banking services to you in a secure manner as well as your responsibility in keeping any access codes, passwords or PINs secure. To ensure we are offering Web-based banking services safely, we employ a number of measures, which are described below. These measures allow us, among other benefits, to properly authenticate your identity when you access these services and safeguard your information as it traverses the Internet between your PC and SGB.  To learn more about protecting yourself from Identity theft click here!

Quicken® & QuickBooks®

Manage your money more effectively by integrating with Quicken and QuickBooks.

As an SGB Online Banking customer, you can use Web Connect to download your banking transactions into basic software or QuickBooks and manage your finances offline. You can also use Direct Connect to seamlessly integrate detailed transaction and balance information from SGB Online Banking into the QuickBooks/ Quicken accounting application, all without logging into Online Banking.

  • Download your current balances and transactions for all checking, savings, and money market accounts.
  • Click here for basic information about Bank Feeds for:
  • View automatic reconciliation of data from one convenient location
  • Save time by avoiding double entry of transactions and account information

It’s easy. To get started, you’ll need the following:

  • Current year’s version or two prior years of Quicken or QuickBooks
  • Internet Access
  • SGB Online Banking User ID and Password

Quicken customers may find our Bank in the Financial Institution list as Southwest Georgia Bank.

QuickBooks customers may find our Bank in the Financial Institution list as Southwest Georgia Bank DC.

Have questions on how to use Quicken or QuickBooks? Visit the links below for Online Support or Click Here for step-by-step instructions.

Online Support for Quicken

Online Support for QuickBooks


Login Security

Although the login does not occur on a secure HTML page, the login is, in fact, secure. We have all been well trained on how to check for security. We all look down at our status bar at the bottom of the browser to make sure there is a little lock or key that assures us that everything is secure before we send anything. Well now there’s a new rule to learn: data can be sent securely even if you don’t see these icons of security. When you fill out an information form, or application, or login, etc. you are filling out information on one page and the information is being sent to a second page. We see the security icons when the page that collects the information is secure. The information can be sent securely if the collection page is not secure, but the page where the information is sent to is secure. This is the method we use on home page logins. If you want to assure yourself that the information you are sending is secure and you don’t see a security icon, you can view the HTML source code. This may be intimidating for some, but all you have to do is search to find the word “action=.” This will show you the location of the page that the information will be sent to. If you see “action=’https://…’,” you know that it is being sent securely. If you see “action=’http://’,” you know it is not secure.

Information Encryption

Your account information never travels the Internet without encryption protection. When you click on “login”, we encrypt your Online Banking ID and password using Secure Sockets Layer (SSL) technology, the highest level of Internet security available. A secure connection is established before your ID and password are transmitted and maintained for the duration of your Online Banking session.

Account Numbers Not Visible

Your account numbers never appear on any of the Online Banking screens. A “pseudo name” is used in place of an account number to maximize security. You can change your “pseudo” account name under the Options section of Online Banking.

Unique ID and Password

In order to access your accounts online, you must enter a unique ID and password. We strongly recommend that you choose a password that you can remember (without writing it down), but doesn’t use information that can be easily guessed by someone. Do not reveal your ID and password to anyone.

Multi-Factor Authentication

Our multi-factor authentication feature enhances our ability to verify your identity when you access Online Banking. You simply supply us with three questions and answers that only you know. If we detect unusual or uncharacteristic activity, we will ask you to answer your security questions to make sure that it’s really you.

Password Security Lock-out Feature

Password guessing is deterred with a lock-out feature. The system will automatically lock a user out of Online Banking when an incorrect password is used three times consecutively. If you accidentally activate this security feature by unintentionally mis-keying a password three times, contact Customer Service at 229-873-3783 or 1-888-683-2265 to reestablish the password. For example, a common mistake is having the CAPS LOCK on while keying in a password.

Automatic Log Off

After a 10 minute period of inactivity, the system will automatically log you off and you’ll be required to re-enter your User ID and password.

E-mail Communications

Please remember that e-mail is not secure against interception and you should be cautious when sending e-mail with sensitive information. If your information is sensitive and includes personal information such as your bank account number, credit card numbers or Social Security number, you may want to contact us by our secure e-mail connection at the Online Banking Message Center or use our Contact Us form or by phone.

How You Can Protect Your Internet Security
  • Do not share your User ID or password with anyone, not even a bank employee.
  • Change IDs and passwords as often as you wish. We recommend changing ID and password at least monthly.
  • Select a password that is hard to guess by using random letters, numbers and symbols. Don’t use readily identifiable information such as your name, birth date, child’s name, etc.
  • Do not use the “save password” option on your computer.
  • Do not write down your password.
  • Remember to log off when you’re finished banking online.
  • For Cyber Security Best Practices Click Here for more info

Important note: While we continue to do everything possible to ensure the security of our system, we are not responsible for any breach of security that is outside of our control.

SGB Mobile Banking

SGB Mobile Banking allows you to access your SGB accounts anywhere, anytime from your mobile device for free.* Android, iPhone, and iPad users can download SGB Mobile Banking Apps for free. This service is quick, easy, convenient, and secure.

  • View account balances
  • Review transaction history and account alerts
  • Pay bills
  • Transfer funds
  • Locate nearby Southwest Georgia Bank branches and ATMs
Don’t have a web-enabled phone? Not a problem!

SGB Mobile Text Banking lets you simply and securely request information about your accounts by using simple text commands.

SGB Mobile Deposit 

SGB Mobile Deposit allows customers to deposit a check into any eligible Checking or Savings account anytime, anywhere with the SGB Mobile Banking app.  Save yourself a trip to the Bank by depositing checks with your mobile device simply by taking a picture.  It’s easy, safe, and most importantly, convenient!

  • Make deposits 24 hours a day, even weekends and holidays! Deposits received by 8:00pm EST will be processed the same business day.  Deposits received after 8:00pm EST, or on weekends or holidays, will be processed the next business day.
  • Save time and gas by not having to drive to the Bank to deposit your check 
See Our Frequently Asked Questions To Learn More

Get Enrolled

Before you can begin using SGB Mobile Banking or SGB Mobile Text Banking, you must first be enrolled in SGB Online Banking. To enroll in SGB Online Banking, see “Enroll Now” in the Online Banking Center on any page of our website. After enrolling, login to your SGB Online Banking Service. On the Accounts Listing page, choose the “Options” tab, then “Mobile Settings” and provide the requested information. You must also read and agree to the Mobile Banking Agreement. You are now ready to use SGB Mobile Banking using your SGB Online Banking User ID and password.

See Our Frequently Asked Questions To Learn More

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*Standard data fees from your mobile provider apply