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Checking

  • Advantage Checking
    Enjoy the advantage of a checking account with multiple features to meet your everyday needs.
    • Low minimum daily balance of $500 or $8 monthly service charge or
    • Free checking with direct deposit relationship.
    • Free checking for full time students.
    • Free checking for seniors.
    • Free with $5,000 in savings, certificates of deposit or IRAs.
    • Free with a $7,500 personal loan or line of credit.
    • Unlimited check writing.
    • Free first order of special New Horizons checks.
    • Free Visa CheckCard with no monthly fee.
    • Free New Horizons online banking with bill pay.
    • Free image statement.
    • No charge for New Horizons ATM access or 24-hour telephone banking.
    • No annual fee Visa or MasterCard credit card
 
  • Advantage Plus Checking
    Earn interest with the benefits of a checking account.
    • Minimum daily balance of $1,000 or $10 monthly service charge or
    • Free with $10,000 in savings, certificates of deposit or IRAs.
    • Free with $15,000 in personal loans or lines of credit.
    • Unlimited check writing.
    • Free first order of special New Horizons checks.
    • Free Visa CheckCard with no monthly fee.
    • Free New Horizons online banking with bill pay.
    • Free image statement.
    • No charge for New Horizons ATM access or 24-hour telephone banking.
    • No annual fee Visa or MasterCard credit card.

     
  • Prime Advantage Checking
    Earn more interest with tiered rates on checking with higher balances.

    $2,500-$4,999
    $5,000-$19,999
    $20,000-$49,999
    $50,000-$99,999
    $100,00 and above
     
    • Minimum daily balance of $2,500 or $12 monthly service charge or
    • Free with $20,000 in savings, certificate of deposit or IRAs.
    • Free with $25,000 personal loan or line of credit.
    • Unlimited check writing.
    • Free first order of special New Horizons checks.
    • Free Visa CheckCard with no monthly fee.
    • Free New Horizons online banking with bill pay.
    • Free image statement.
    • No charge for New Horizons ATM access or 24-hour telephone banking.
    • No annual fee Visa or MasterCard credit card.

Savings
   

  • Money Market Savings
    Earn high yields with availability and liquidity.
    • Minimum daily balance of $10,000 or $15 monthly service charge.
    • Limited transactions with 3 checks and 3 transfers per month.
       
  • First Step Savings
    This is a statement savings account for customers.
     
    • Minimum daily balance of $100 or $5 service charge
    • 6 withdrawals per month limitation or 9 withdrawals per quarter. Excess withdrawal fee will be $2 per withdrawal.
    • No service charge for minors.

Certificates of Deposit
Short-term and long-term investments depending on your investing needs earn high yields with New Horizons certificates of deposit. Please call for information about our rates and terms - 706-515-2265.

Individual Retirement Account
Individual Retirement Accounts are available in a wide range of options from traditional IRAs, Roth IRAs to Education IRAs. Ask our banking professionals for details concerning rates and terms. Let us assist you with your retirement plans today.
 

Special Services

  • ATM
    Our ATM is located in front of the bank with easy street access.
  • Online Banking and Bill Payment Service
    Internet Online Banking is available to allow you the convenience of monitoring current account activity and history. You will have the ability to transfer funds between your New Horizons accounts and make loan payments online. Bill Payment features include the ability to schedule one time payments and recurring payments may be scheduled monthly, weekly or biweekly. This feature will provide you with better control over your finances and savings from postage costs.
     
  • Telephone Banking
    Telephone Banking will allow you to make account balance inquiries, determine the most recent transactions on your account and transfer funds between designated accounts. You may access this service at work, at home or on the go; all you need is a telephone to access your financial information 24 hours a day, 7 days a week. Call: 706-515-2222.
     
  • MasterCard/Visa
    Check out the difference our credit cards offer you with low rates and no annual fees.
     
  • Miscellaneous Fees
    • Insufficient Funds/Overdrafts $30/check
    • Stop Payment $30/check
    • Wire Transfers $15
    • Return Check $ 5
       

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