Personal Checking and Money Market Accounts

All Checking Accounts listed below get a FREE “No Monthly Charge” Debit Card.

Secure Checking
Checking with IDProtect™ and more!

  • Complimentary IDProtect™ covers eligible family* members
  • No minimum balance
  • Unlimited check writing & debit card transactions
  • Low $3.95 monthly service charge
  • $50 minimum opening deposit

*Family includes: Spouse, persons qualifying as a domestic partner, children under 25 years of age and parent(s) who are residents of the same household. Service is not available to a “signer” on the account who is not an account owner. Service is not available to businesses and their employees, clubs and/or churches and their members, schools and their employees/students. 

IDProtect™ - Protection from Identity Theft

  • Daily Credit Monitoring (no-fee registration/activation required)
  • Total Identity Monitoring of over 1,000 databases (no-fee registration/activation required)
  • 3-in-1 Credit Report – request new credit report every 90 days or upon receipt of credit alert (no fee registration/activation required)
  • Credit Score – single bureau score with every new credit report (no fee registration/activation required)
  • Debit and Credit Card Registration (no-fee registration/ activation required)
  • Fully Managed Identity Theft Resolution Services
  • Identity Theft Recovery Case Plan
  • Reimbursement of Identity Theft recovery expenses
  • Online Identity Theft News Center and valuable phone and web resources  


Convenience Checking
Checking that pays interest…. plus FREE nationwide ATMs!

  • FREE ATMs Nationwide
  • Always pays a premium adjustable interest rate on your entire checking balance (for current rates call us at (478) 237-6619)
  • No minimum balance or monthly service charge
  • Direct Deposit & E-Statements required
  • $50 minimum opening deposit

Premium Interest Checking
Premium interest for high-balance checking!

  • Earn tiered rates of interest — as your balance grows, so does your interest rate (rate may change after opening) (for current rates call us at (478) 237-6619)
  • No per check fees & unlimited check writing
  • FREE cashier checks
  • 50% discount on small safe deposit box
  • No service charge with $1,000 minimum daily balance; only $8 monthly charge if below
  • Fees could reduce earnings
  • $50 minimum opening deposit

Ultimate Personal Money Market
Here's an account that rewards you for saving more by offering higher interest rates for higher balances.

  • Tiered interest rates - for current rates call us at (478) 237-6619
  • Interest calculated on the daily balance
  • $1,000 minimum balance to avoid $5 monthly service charge
  • Unlimited free in-person withdrawals
  • 6 free debits per month
  • $5 per debit over 6 per month
  • $1,000 to open account

These are personal accounts only. Business and corporate accounts do not qualify for these plans. Customer purchases checks unless otherwise indicated.


Member FDIC | Equal Housing Lender

Spivey State Bank
211 North Main Street
Swainsboro, GA 30401
Phone: (478) 237-6619 || Fax:  (478) 237-4887
Customer Service Center: (877) 753-9224
Lost Debit Card: (800) 554-8969