Checking & Savings Accounts

Multiple Choices for Your Personal or Business Accounts

Checking and savings accounts play a vital role in any person or business’s finances. They are your most used financial tools.  Milledgeville State Bank  recognizes this and offers numerous checking accounts and savings account options to fit any need.

Checking Accounts

Totally Free Checking

Don’t like the idea of paying monthly fees for your checking account? Totally Free Checking is a fee-free checking account featuring 50 free checks (first order only) no minimum balance and unlimited check writing (limited to personal accounts only).

Regular Checking Account

Milledgeville State Bank’s standard checking account is a great place to store your hard earned money to make purchases conveniently. Maintenance fees are assessed based on account balances, but are waived for those 62 and over, full-time students, military personnel, clubs and organizations.

Club Checking Account

Join the club as an individual or family! For a small fee every statement cycle, you get to experience the many perks of being a Club Checking member!

Money Market Account

Make your money work for you! Interest earned will be compounded every month to help your money grow and reward you for a higher bank balance. Transactions are limited to six per statement cycle with other restrictions applying. 

Savings Accounts

Regular Savings 

Start saving today with this interest-bearing savings account from  Milledgeville State Bank. Interest is compounded every day and credited to the account every six months. A minimum opening deposit of $10.00 is required, and a $3.00 fee will be assessed every quarter if the quarterly minimum balance falls below $100.00 (fee is waived for those 62 and older, military personnel, full-time students, those under 18, clubs and organizations).

Christmas Club Account

Save for the holidays all year long! Interest is compounded every month and credited to the account at the end of the 50^th week deadline, just in time for Christmas!

NOW Account

Another savings account aimed at helping your savings grow, the NOW Account earns interest that is compounded and credited to your account monthly. The $1,000 minimum opening deposit means this account is for those who already have a good amount of money saved up.

Super NOW Account

Get the same savings-boosting benefits of the NOW account, but with a higher minimum opening deposit and balance to maintain to avoid fees ($2,500, minimum average daily balance of $5,000).