Checking Accounts

Macon Bank & Trust Company offers a deposit product to meet your financial needs. To obtain more information or open an account visit one of our convenient locations.

If you need to reorder checks use our secure Check Reorder Form.

  • ATM cards available for use with checking accounts and no fee charged when used at MACON BANK & TRUST COMPANY ATMs.
  • Our Senior Checking Account (65 & over) & Student Checking Account are exempt from monthly service charges.

NEW Premier Checking

Benefits:

  • Monthly club fee of $7.00 applies and covers all benefits listed
  • No issue fee Cashier’s Checks
  • One-time $2 discount on safe deposit box
  • Signature guarantee service
  • Cell phone protection¹
  • IDProtect® (Identity theft monitoring and Resolution Service)²
  • Accidental Death & Dismemberment Insurance²
  • Online and mobile banking*

*Additional activation and registration required.

1. 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. Insurance products are not insured by FDIC or any Federal Government Agency; not a deposit of or guaranteed by the bank or any bank affiliate.
2. 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

Bonus Checking

Benefits:

  • Earn 1.51% APY (Annual Percentage Yield) on balances from 1¢ – $30,000 and .25% APY on balances over $30,000 each statement cycle **if qualifications are met. -Or-
  • Earn the Base Rate of .25% APY each statement cycle **if qualifications are not met.

All rates are effective as of July 10, 2018. We may change your rate at any time after the account is opened. **To qualify for Bonus Checking, perform the following each “statement cycle”:

  • At least 12 POS (debit card) purchases posted and cleared
  • Receive electronic statement
  • One direct deposit or ACH auto debit

If qualifications are not met & balance falls below $300.00 a minimum balance service charge of $6.00 will be imposed. If qualifications are not met per statement cycle the account will still function as an Interest Checking account.

Regular Checking

Benefits:

  • Macon Bank & Trust Company ATM Access – No Charge
  • No minimum balance service charge with a balance of $300 or more
  • Minimum balance service charge of $6.00 will apply if balance falls below $300 any day during the statement cycle.

Interest Checking Account

Benefits:

  • Macon Bank & Trust Company ATM Access – No Charge
  • No minimum balance service charge with a balance of $1000 or more every day of the statement cycle.
  • Minimum balance service charge of $6.00 will apply if balance is below $1000 any day during the statement cycle.

Interest Checking Club Account

Benefits:

  • Macon Bank & Trust Company ATM Access – No Charge
  • $7.00 Club Fee
  • Additional minimum balance service charge of $3 if your account falls below $1000 any day during the statement cycle.

Advantage Account

Benefits:

  • 50 Years and older (limit one account per individual)
  • Free checks (wallet style)
  • Interest Bearing
  • Unlimited check writing
  • Minimum balance service charge of $6 will apply if balance drops below $100 any day during the statement cycle.
  • Signature Guarantee Service
  • 10% Annual Discount on Safe Deposit Box
  • Free Cashier’s Checks
  • Credit Card Registration
  • Insurance Benefit for Advantage Checking
  • $5,000 Identity Fraud Expense Coverage

E-Checking

Benefits:

  • Free E-Statements*
  • Surcharge free cash withdrawals at participating SUM Network ATMs Nationwide
  • Free Online Banking
  • Free Mobile Banking with Mobile Deposit
  • Free Online Bill Pay
  • Free MasterCard Debit Card
  • 40 Free Checks at account opening
  • *E-Statement enrollment is required to avoid the minimum balance requirement and potential fee. If you are not enrolled in e-statements a $6 minimum balance service charge will apply if your account balance falls below $300 any day during the statement cycle. Third party internet/data fees may apply.

Hero Checking

  • Law enforcement, EMS, Medical professionals and Military.
  • No monthly service charge
  • No minimum balance
  • 40 free checks at account opening
  • Free e-statements
  • Up to 4 foreign ATM surcharge refunds per month

Other Charges

  • Stop Payments, each: $20.00
  • Statement Reproduction – each statement: $5.00
  • Research – per hour: $25.00
  • You will be assessed a Paid Items Overdraft Fee of $28.00 per item paid into overdraft, with a Maximum total fee of $168.00 per day for consumer accounts.
    • Whether your overdrafts will be paid is discretionary and we reserve the right not to pay if your account is not in good standing, or you are not making regular deposits, or you have too many overdrafts.
    • Overdrawn balance must typically be repaid within 45 days.
  • Returned checks, each presentment: $28.00
    • No maximum per day
  • You will be assessed a Returned Items NSF Fee of $28.00 per item returned NSF. (No maximum per day.)
  • OD/returned items may be created by check, in person withdrawal, ATM withdrawal, or other electronic means.
  • Sending a wire: $15.00
  • Sending an international wire: $50
  • Receiving Wire (Customer): no charge

Fax Charge:

  • Outgoing $8.00
  • Incoming $5.00