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Frequently Asked Questions

We have put together a list of the questions we get asked most often. If you have a question that you do not see listed here, feel free to give us a call.

ATM / Debit Cards

My debit card expires next month. Do I need to call and order a new one?

You should automatically receive a new card before the end of the month that your card expires without having to do anything. This is one reason it is important to be sure we have your current mailing address!  If you have not received a new card within a few business days of month-end, you may want to call and let us verify your address.

I know my debit cards has spending limits. What if I need to use it for more than $1000 point-of-sale or $300 from the ATM? 

We can put a temporary increase on your card. Just give us a call ahead of time (912-537-8805, option 3) and let us know which limit(s) you need raised, the amount you want it increased to, and for what time period. (NOTE: The maximum point-of-sale limit is $9,999.)

I had an email (or text) about possible fraud on my card. Is that a scam, or real? 

Our debit card provider does have a fraud department and, if a transaction triggers their system as suspicious, they will try and contact you. You may get a telephone call, a text, and/or an email.  Be aware – the most they will ask you for is the last 4 of your social security number (so they can verify they are speaking to the person they need). They will never ask for your card number or PIN.  They will be very specific in what they need to verify. For example, they may ask, "Did you engage with a transaction at Walmart.com on April 24th in the amount of $120.18?" You need only answer yes or no.

I'm going on a trip and plan to use my debit card. Do I need to notify the bank?

Yes.  If you use your card outside your normal spending area, that could be flagged as a suspicious transaction. To avoid your card being temporarily turned off, let us know ahead of time and we will flag the card as being out of its normal spending area. 

New Accounts

What do I need to bring to open a new account?

Our Customer Service Representative will need your driver's license/ID. Your mailing address must match where you are living and, if not, then you will need to show proof of address such as a bill, lease agreement, etc. You must live in Toombs or surrounding counties to open an account. 

Can I add someone to my account?

Yes, but they need to be present with you and bring proper identification as stated above.  Keep in mind, it is easy to add a person to your account, but if you ever want to take a person's name off the account, you will most likely have to close that account and open a new one. (Exceptions can be made in the case of a death.)

Online / Mobile Banking 

I downloaded your app but I can't get it to work – What do I need to do?

In order to use our mobile app, you will first need to go to our website and click on the Online Banking tab. When that window opens, click on "Enroll Now" and fill out the required information. Please note: the information must match what we have on record – for example, if you put 123 Main Street and we have 123 Main St, that would not be a match. If there are differences, we will be in contact with you to verify the information.

I am supposed to receive a text to verify my identity, but the numbers they have are not my telephone numbers. Has someone changed my phone numbers?

No, you have most likely mis-keyed your user ID. If the system does not recognize a user name, it will generate random telephone numbers. Go back to the sign in screen and re-key your user ID. If that does not work, give us a call at 912-537-8805, option 3.

Remote Deposit

Why isn't my remote deposit showing up in my account?

Remote deposits have a cut-off time of 2 PM each workday. You will receive a text showing you have submitted a deposit, and then another one once it is reviewed informing you if the deposit was accepted or rejected. If accepted, it will post that night when our system runs. Remote deposits made after 2 PM will post the next business day after our system runs that night.

Lost or Stolen Card

Lost Your Card?

After Hours

912-537-8805, Option 3
During Business Hours

Lost or Stolen Card