Personal Checking and Money Market Accounts

All Checking Accounts listed below get a FREE “No Monthly Charge” Debit Card.

FREE Interest Checking
FREE checking that pays interest…. plus FREE nationwide ATMs!

  • Always FREE
  • Always pays a premium adjustable interest rate on your entire checking balance (for current rates call us at (478) 237-6619)
  • No minimum balance
  • No monthly service charge
  • FREE ATMs Nationwide
  • First overdraft charge waived each calendar year
  • FREE standard checks for the life of the account**
  • Direct Deposit and E-Statements required

**Customer pays $6.95 postage for free standard checks.

FREE Checking
FREE Checking for everyone!

  • Always FREE
  • No minimum balance
  • No monthly service charge
  • No per check fees & unlimited check writing

50+ FREE Interest Checking
FREE for customers age 50 or better!

  • Earn competitive interest (rate may change after opening) (for current rates call us at (478) 237-6619)
  • FREE standard wallet style checks**
  • No minimum balance
  • No monthly service charge
  • No per check fees & unlimited check writing

**Customer pays $6.95 postage for free standard checks.

WALL STREET Checking
Premium interest for high-balance checking!

  • Earn tiered rates of interest – as your balance grows, so does your interest rate (rate may change after opening) (for current rates call us at (478) 237-6619)
  • No per check fees & unlimited check writing
  • No service charge with $1,000 minimum daily balance
  • FREE travelers checks
  • FREE cashier checks
  • 50% discount on small safe deposit box
  • Only an $8 monthly charge if below $1,000
  • Fees could reduce earnings

Ultimate Personal Money Market
Here's an account that rewards you for saving more by offering higher interest rates for higher balances.

  • Tiered interest rates - for current rates call us at (478) 237-6619
  • Interest calculated on the daily balance
  • $1,000 minimum balance to avoid $5 monthly service charge
  • Unlimited free in-person withdrawals
  • 6 free debits per month
  • $5 per debit over 6 per month
  • $1,000 to open account

These are personal accounts only. Business and corporate accounts do not qualify for these plans. Customer purchases checks unless otherwise indicated.

 

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Spivey State Bank
211 North Main Street
Swainsboro, GA 30401
Phone: (478) 237-6619 || Fax:  (478) 237-4887
Customer Service Center: (877) 753-9224
Lost Debit Card: (800) 554-8969