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Personal Checking

SGB offers personal checking accounts that fit your needs.

Freedom Checking

This is the go-to personal checking account for many of us.  It could not be easier, cheaper or simpler.

  • No monthly service fee
  • Minimum opening deposit is $100
  • No minimum balance requirement
  • Online Banking, Bill Pay, debit card and Electronic Statements are free
  • Paper statements with images are available for $3 a month

Freedom NOW Checking

We all want to earn a little interest on our money.  Freedom NOW Checking pays you the NOW interest rate and comes with all you expect from a checking account. 

  • Free Online Banking, Bill Pay, debit card and Electronic Statements
  • Minimum opening deposit is $100
  • A $1,000 minimum daily or a $2,500 average collected balance will avoid the $10 monthly service fee
  • Paper statements with images are available for $3  per month

Premier NOW Checking

If you keep high balances in your checking account, Premier NOW Checking pays you the Premier Rate.

  • Minimum opening deposit is $100
  • If you maintain a $5,000 minimum daily or a $10,000 average collected balance, the $10 service fee will not be assessed 
  • Online Banking, Bill Pay, debit card and Electronic Statements are free
  • If your preference is for paper statements with images, that is also free


Gold NOW Checking

When you turn 62, you deserve a little extra.  A little interest and a lower balance requirement.

  • It takes just a $750 minimum daily or a $1,500 average collected balance to avoid the $6 monthly service charge
  • Minimum opening deposit is $100
  • Every dollar earns interest at the Gold NOW rate
  • Just like with all of our personal offerings, there is no charge for Online Banking, Bill Pay, a debit card, and Electronic Statements 
  • If your preference is for paper statements with images, that is also free