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Quick View Comparison: Personal Savings
Savings Account
Types |
First
Premier Money Market |
First Money Market |
Regular Savings |
Children's Savings |
Minimum
Opening Deposit |
$5,000 |
$1,000 |
$50 |
$10 |
| Monthly Maintenance Fees |
$8.00 |
$8.00 |
$3.00 |
N/A |
How to Avoid
Monthly Maintenance Fees |
Maintain a minimum daily balance of $5,000 |
Maintain a minimum daily balance of $1,000 |
Maintain a minimum daily balance of $100 |
N/A |
Distinguishing
Features |
Limited to 6 debits per month (up to
three third party debits)
$2 excessive money market transaction fee for debits in excess
of 6 per month
Interest paid on tiered balances of:
$5,000-$9,999.99;
$10,000-$49,999.99;
$50,000-$99,999.99; &
$100,000 & over
Interest credited every statement cycle |
Limited to 6 debits per month (up to three third
party debits)
$2 excessive money market transaction fee for debits in excess
of 6 per month
Interest paid on balance of $1,000 or more
Interest credited every statement cycle |
Limited to 3 withdrawals per quarter
$0.50 excessive activity fee for each withdrawal in excess of 3
per quarter
Interest compounded daily & credited every statment cycle |
For savers through the age of 16
No minimum balance requirement
3 free withdrawals per quarter
$0.50 excessive activity fee for each withdrawal in excess of 3
per quarter
Interest compounded daily & credited every statement cycle
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This account will earn a tiered rate of interest compounded daily and
paid monthly. Please call for current rates.
- Balance tiers
- $5,000 to $9,999.99
- $10,000 to $49,999.99
- $50,000 to $99,999.99
- $100,000 and over
- A premium interest rate is paid on daily balances of $5,000 and over
- Interest is credited to the account every statement cycle
- A maintenance fee of $8.00 is charged should your balance fall below
the $5,000 minimum daily balance requirement
- You may make up to six debits (up to three third-party debits) per
month at no charge; excessive Money Market transaction fee of $2.00
will be imposed
- A minimum deposit of $5,000 is required to open this account
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This account earns interest on daily balances of $1,000 or more at the
current variable market rate of interest, which is, compounded daily.
A maintenance fee of $8 is charged on this account should your balance
fall below the $1,000 minimum daily balance requirement. You may make
up to six debits (up to three third-party debits) per month at no charge;
$2.00 excessive money market transaction fee for debits in excess of 6
per month. A minimum deposit of $1,000 is required to open this account.
Click here to see our current rates.
Under Federal Regulation, transfers from a First Premier Money Market
Account or a First Money Market Account to another
account or to third parties by preauthorized, automatic or telephone
transfer are limited to six per month with no more than
three by check, draft or similar order to third parties. If this limitation
is exceeded on a regular basis, we re required to
convert your account to another account that permits unlimited check-writing
privileges. We will determine the number of
third-party checks for your statement period based on the posted date
of those items.
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This account pays the current variable market rate of interest on daily
balances of $100 or more which is compounded daily and credited every
statement cycle. Please call for the current rate.
- A maintenance fee of $3.00 per statement cycle is charged should your
balance fall below the minimum $100 daily balance requirement
- Up to three withdrawals may be made each quarter at no charge
- A $0.50 excessive activity charge will be assessed for each withdrawal
in excess of three per quarter
- A minimum deposit of $50 is required to open this account
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This account has been designed with our young generation in mind. We have
found an exciting way to teach our club members to save money and First
Georgia offers great interest rates to earn more money. Plus, members
earn free "bearry" gifts as they watch their savings grow! To
get these great "Bearry" Smart Savings Club ("BSSC")
benefits, an enrollment form must be completed, in addition to opening
a Children's Savings Account. Upon joining the "Bearry" Smart
Savings Club, each member will receive a gift packet punch card. As punch
cards are completed, members earn their own customized "Bearry"
Smart Bear and cool accessories! See the BSSC enrollment form for complete
details.
- Interest will be compounded daily and credited every statement cycle
- Up to three withdrawals may be made per quarter at no charge
- A $0.50 excessive activity fee will be assessed for each withdrawal
in excess of three per quarter
- Designed for children through age 16
- A deposit of just $10 is needed to open this account
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