Savings Accounts

Money Market Investment Account (MMIA)

Benefits:

  • Macon Bank & Trust Company ATM Access – No Charge
  • No minimum balance service charge with a balance of $2,500 or more
  • Minimum balance service charge of $6.00 will be applied if balance drops $2,500 any day during the statement cycle.

MACON BANK & TRUST welcomes you to save with us. All of us must save to be prepared for the unexpected. Our accounts pay competitive interest rates and are designed for you. Come in today and start saving for the future.

Regular Savings

Benefits:

  • Minimum opening deposit: $10.00
  • A $5 minimum balance service charge will be applied if the balance falls below $10 during the quarter.
  • Deposits or withdrawals may be made anytime.
  • Three withdrawals allowed per calendar quarter with no penalty.
  • A withdrawal fee of $1.00 will be charged for each withdrawal in excess of three during a calendar quarter.
  • Interest is paid quarterly.

Christmas Club Account

Benefits:

  • Minimum opening deposit is $10
  • Max deposit $1,200 per month
  • An early withdrawal fee of $5.00 will be charged for each withdrawal, prior to check issue
  • If account closed before November issue, no accrued interest paid

Money Tree Kids Club

Benefits:

  • For children 0-12 years old.
  • Children receive a gift upon opening of account.
  • Minimum opening deposit:$10.00.
  • Deposits or withdrawals may be made anytime.
  • 3 withdrawals allowed per calendar quarter with no penalty.
  • A withdrawal fee of $1.00 will be charged for each withdrawal in excess of three during a calendar quarter.
  • Minimum balance service charge of $2.00 will be applied if account falls below $10.00 any day during the quarterly statement cycle.
  • Interest is paid quarterly.

Other Charges

  • Stop Payments, each: $20.00
  • Statement Reproduction – each statement: $5.00
  • Research – per hour: $25.00
  • Overdrafts, each insufficient check paid beginning first day of overdraft: $28.00 Maximum total OD Fee $168 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 balances must typically be repaid within 45 days.
  • Returned checks, each: $28.00 (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