Personal Checking Accounts

Call 478-254-7775 to learn more and open a checking account today!

Classic Checking Accounts

The Classic Checking Account offers the convenience of 24/7 accessibility via our Online Banking Center.

  • $100 minimum to open
  • $500 minimum average daily balance to avoid a $5 monthly service charge
  • Unlimited transactions free of charge
  • Printed checks may be purchased by customer
  • Debit/ATM cards available

Freedom Checking Accounts

The Freedom Checking Account provides all the advantages of a Classic Checking Account, plus they earn interest on your account.

  • $100 minimum to open
  • $1,000 minimum average daily balance to avoid a $5 monthly service charge
  • Earn interest monthly
  • First order of single wallet style checks free
  • Debit/ATM cards available

Legacy Checking Accounts

For our customers age 50 or older, our Legacy Checking Account is the perfect account!

  • $100 minimum to open
  • For customers 50 years or better
  • No monthly service charge
  • No monthly balance to maintain
  • First year free 3×5 safe deposit box or a $35 credit towards a larger one
  • Free single wallet style checks
  • Debit/ATM cards available

Student Checking Accounts

One South Bank Macon offers free checking for students age 18 to 21, plus 24-hour access via our Online Banking Center.

  • $25 minimum balance to open
  • No monthly service charge or minimum balance to maintain for students under 22 years of age
  • First order of single wallet style checks free

Hometown Hero Checking Accountschecking accounts

In honor of those who have dedicated their lives to serve, educate, rescue and protect, One South Bank would like to say “Thank You” by offering these special men and women our new package of banking services. The Hometown Hero Checking Account is available to those working in fields that serve, educate, rescue and protect our community, such as firefighters, police officers, educators, EMT, doctors or nurses, and military personnel. This account has no monthly service charge and offers discounts on other products. Visit with one of our customer service representatives to open an account today.

  • No minimum balance to open
  • No minimum balance to maintain
  • .10 basis point bonus on CDs
  • .25 basis point discount on loans set up on auto draft from one of our checking accounts
  • Two free orders of single wallet style checks offered with account per year

Money Market Accounts

Our Money Market Checking Account provides competitive interest rates and is designed for individuals who anticipate writing fewer than six checks per month.

  • $2,500 minimum deposit to open
  • Interest is compounded and credited monthly
  • Six transfers may be made from this account each statement cycle by preauthorized withdrawals, automatic transfers, checks, drafts, and debit card or other similar transactions
    • Withdrawals made in person or by mail are unlimited
  • A $10 service charge will be imposed each month if the average daily balance for the month falls below $2,500
  • A $1.00 excess transaction charge will be charged for each withdrawal, check or automated transaction from this account in excess of six per month