Personal Banking
Personal Checking
West Central Georgia Bank is proud to announce our new Checking Account Types with exciting benefits available. If you are not a current customer, we look forward to the opportunity of you becoming one! If you are a current customer, we look forward to the opportunity of upgrading your current account! If you have any questions or need additional information, please contact our Customer Service Department by phone at 706-647-8951 or stop by one of our branches. We look forward to helping you find the account(s) that best meet your financial needs! Thank you for allowing us to be your Hometown Community Bank!
Peace of mind. It’s one of the most important benefits a financial institution can provide. With unrivaled security and smart savings – it’s simple! With Hometown Secure or Classic Secure Checking, it’s easier to protect your finances, save money on everyday purchases and enjoy your life. That’s something you can bank on with West Central Georgia Bank.
Our Hometown Secure Checking includes all the benefits listed below for a low monthly maintenance fee of $5.95:
- $50 Minimum Deposit
- Free Online Banking
- Free Bill Pay
- eStatements or Paper Statements
- Unlimited Check Writing
- WCGB Debit Card (subject to approval)
- Free Notary
- IDProtect® Identity Theft Monitoring and Resolution Service
Help better protect yourself and your joint account owners with our identity theft and resolution service1 that includes credit file monitoring2, access to credit reports and scores, monitoring of over 1,000 public databases, identity theft expense reimbursement3, fully managed resolution services, and more.
- Travel and Leisure Discount Membership – Money-saving discounts from thousands of local and national businesses – redeem and print coupons online or access discounts from a mobile device. (Registration/activation required. Available online only)
- $hopping RewardsTM - Shop online using our customized shopping portal and receive cash back. Your cash back will be held in your $hopping Rewards account to use towards future purchases or conveniently sent to you as a check. (Registration/activation required. Available online only)
- Accidental Death & Dismemberment Insurance3 – Receive up to $10,000 24-hour Accidental Death & Dismemberment Insurance. (Coverage divides equally on joint accounts and reduces by 50% at age 70)
- Cell Phone Protection3 - Receive up to $300 of replacement or repair costs if your cell phone is stolen or damaged, in the U.S. and abroad. (Cellular telephone bill must be paid using eligible account)
- Debit Advantage® - Buyer’s Protection3 & Extended Warranty3 (Item(s) must be purchased entirely with eligible account)
- Health Discount Savings - Enjoy savings on vision, dental and prescriptions. This is NOT insurance.
1 Benefits are available to personal checking account owner(s), and their joint account owners subject to the terms and conditions for the applicable Benefits. Some Benefits require authentication, registration and/or activation. Benefits are not available to a "signer" on the account who is not an account owner or to businesses, clubs, trusts organizations and/or churches and their members, or schools and their employees/students.
2 Credit file monitoring from Experian and TransUnion will take several days to begin following activation.
3 Special Program Notes: The descriptions herein are summaries only and do not include all terms, conditions and exclusions of the Benefits described. Please refer to the actual Guide to Benefit and/or insurance documents for complete details of coverage and exclusions. Coverage is provided through the company named in the Guide to Benefit or on the certificate of insurance.
Insurance Products are not insured by the FDIC or any Federal Government Agency; Not a deposit of or guaranteed by the Bank or any Bank Affiliate.
Our Classic Secure Checking includes all the benefits of Hometown Secure Checking Plus the additional benefits listed below. A $7.95 Monthly Balance Fee applies if balance drops below $4,000.
- First Order of Exclusive Bank Checks Free
- $15 Discount on any size Safe Deposit Box
- Annual Fee Waived for Visa Credit Card Holders
- Tiered Interest ($1,000 minimum balance required to receive interest – contact bank for rates)
If Hometown Secure or Classic Secure Checking does not meet your financial needs, please consider Simple Checking.
Our Simple Checking includes many valuable benefits:
- $50.00 Minimum Deposit
- No Monthly Balance Fee
- Free Online Banking
- Free Bill Pay
- Free e-Statements (Paper Statements $2.00 per month)
- Unlimited Check Writing
- WCGB Debit Card (subject to approval)
- Free Notary
For current rates, call or come by any of our branches.
Personal Savings
- $50 minimum deposit to open.
- Account earns market interest rate on daily balances of $25 and above
Interest is compounded and credited into the account semi-annually
- 3 free withdrawals per quarterly statement cycle, $2 item charge for each additional withdrawal
- $50 minimum deposit to open.
- Account earns market interest rate on daily balances of $25 and above
Interest is credited into the account annually
- 1 free withdrawal per six month period, $5 item charge for each additional withdrawal
- Offered to children age birth to 14.
- $5 minimum deposit to open.
- Account earns market interest rate on daily balances of $5 and above
Interest is compounded quarterly and credited into the account quarterly
- Free savings deposit/withdrawal slips
- 3 free withdrawals per quarterly statement cycle, $1 item charge for each additional withdrawal
- Additional interest paid on the child's one year Certificate of Deposit which must be done in the week of the child's birthday
- Each child will receive a free Piggy Bank with the opening of the Kids Club account:
- $5 minimum opening deposit - piggy bank
- $50 account balance - pencil
- $100 account balance - water bottle
- $250 account balance - frisbee
- $500 account balance - t-shirt
- $1,000 account balance - activity bag
- $5,000 minimum deposit to open
- Account earns tier market interest rates
- $10 monthly service charge if balance falls below $5,000 any time during statement cycle
- 6 free withdrawals per monthly statement cycle. $5.00 item charge for each additional withdrawal
For current rates, call or come by any of our branches.
Personal Certificates of Deposit
Consider a West Central Georgia Bank certificate of deposit for your longer term investments. Choose from a variety of terms, from 91 days to 5 years. Our CD’s offer competitive interest rates and you can tell us how to pay your interest: monthly, quarterly, semiannually, annually, or at maturity.
The interest rate will vary according to the certificate term and there is a penalty for early withdrawal. Certificates of Deposit are FDIC insured.
Contact us for current rates at 706-647-8951, or come by and see a customer service representative at one of our locations.