Additional banking services designed to make your life easier

We are happy to offer a variety of convenient banking services developed for today’s busy lifestyles. Whether you want to bank at one of our convenient locations, at home, at your office, or while on vacation, we have a product and service that’s right for you.
 

ATM (Automated Teller Machine)

Automated Teller Machines provide a way for you to withdraw cash anytime, anywhere. If using one of our convenient ATM locations there will be no charge. If using an ATM at another bank outside of our system, a small fee may be charged to use the machine. We have ATM’s in the following locations: Gilmer, Gilmer Walmart, Big Sandy, Mt. Vernon, Pittsburg, Quitman, Mineola, Emory, Ore City and Diana.

Fees May Apply

ATM Cards

An ATM card provides the holder with the ability to withdraw funds at an Automated Teller Machine. To make a withdrawal using the cards you will be required to enter a PIN or Personal Identification Number to validate the purchase. These cards may also be used with merchants to purchase goods and services.

Auto Debit on Loans/Auto Drafts

Save money or a trip to the bank by automatically paying your loan every month from your checking or savings account.

Auto Transfer

A great way to make saving money easy and automatic. This service allows the account holder to move money from one account to the other on a regular basis. You may move money to a savings account, checking account, or provide a monthly allowance for your child at college. The possibilities are endless. Ask us today about how to get started.

Cashier's Checks

This is a guaranteed form of payment. Our bank will issue a Cashier’s Check as a way to provide payment for a large item. Ask us how we can help you with one now.

Fees May Apply

Check Printing Services

For personal and business checking customers we can order personalized checks designed for your specific needs. Personal checks may be ordered in many different varieties. Our business customers may use their own personalized logo for more brand recognition. Checks can also be ordered to be compatible with your check printing software to make accounts payable and payroll a breeze. For pricing and more information on these or other services please contact your New Accounts Representative

Fees May Apply

Credit Life/GAP

Credit Life and GAP are insurance products that the bank can provide to our customers when they get a loan from our bank. Credit Life will make your loan payment for you in the event of injury during the life of your loan. It can also make your loan payment in the event that you lose your job during the life of the loan.

GAP insurance will provide coverage on the value of your car/truck that covers the “gap” between what the insurance will replace the item for and the amount of the loan.

Collection Item Services

A service we provide when an item will not clear through regular channels, – Items such as out of USA checks, oil & gas lease checks, insurance drafts, large checks, etc. Anything that requires special handling is a collection item.

Fees May Apply

Direct Deposit Services - Social Security, VA, RR Retirement, Payroll

Use your bank routing and account number to take advantage of Direct Deposit. Direct Deposit is an easy and convenient way to receive payroll, Social Security, Veterans Benefits, retirement fund deposits and many other types of payments. Direct Deposit is initiated by the payer and is received by the bank at no charge, saving you the time it takes to physically deposit your check and the ever rising cost of fuel to get here. We invite you to take advantage of our Direct Deposit capability. Please contact us with any questions you may have.

Money Orders

A financial instrument our bank can issue allowing the individual named on the order to receive a specified amount of cash on demand. One of the main benefits of a money order is that it is more trusted than a personal check, because it is prepaid.

Fees May Apply

Night Depository Bags

This is a service the bank will provide to businesses that need to make a deposit after banking hours. This is a great option for businesses who receive great amounts of cash that need to be in safe keeping until the bank opens. The bank will provide you with a secure bag in which to make the deposit. The deposit will be placed inside with the appropriate deposit slip.

Fees May Apply

Photo Copies

We are happy to assist our customers with photo copies as the need arises.

Fees May Apply

Remote Deposit Capture

This is a great service for business customers who make frequent trips to the bank to make their deposits. This is also a great option for businesses that process a lot of checks from their customers. The product involves the bank placing a check scanner at your business and some software on one of your computers. At this point, you can make deposits without having to leave your office. Please note that we cannot receive cash deposits this way, only checks. Please let us know if you are interested in this product.

Fees May Apply

Research Copies

We can research accounts and make copies for you.

Fees May Apply

Safe Deposit Box Services

Some things are just too valuable to leave at home. Be it antique jewelry, coin collections or important documents, let us help you keep your valuables protected. Ranging in size from 2” X 5” to 10” X 10 ½” we have just the box you need for one low annual fee. For pricing and more information on these or other services, please contact your New Accounts Representative.

Stop Payment service

We can issue “Stop Payments” on checks or electronic transactions that have not been presented for payment.

Fees May Apply

VISA Credit/Gift Cards

The main difference between a Visa Credit Card and a Visa Gift Card is that the Gift Card is not “Reloadable”. The Visa Credit Card, may be “reloaded” with cash several times over until the expiration date on the card.

Fees May Apply

Wire Transfers

We are happy to assist you with both domestic and international wire transfers. When you need to send money fast – a wire transfer is your best choice. Bank wire transfers are immediate, safe and reliable.

Fees May Apply
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