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Personal Banking

Essential Checking

Our Essential Checking account is a no fee, non-interest bearing checking account. It is the most basic account we offer - perfect for individuals who want flexibility.

Opening Deposit: $0, no monthly minimum balance required.


Free Online Banking with Bill Pay
Free Debit Card
No Monthly Service Charges
Unlimited Check Writing
Free Monthly E-Statements
No ATM Transaction Fees for Northwest Georgia Bank and FirstBank ATMS

Service Charges:

No Monthly Service Charges
Paper Statements: $2.50/mo.
Non-Northwest Georgia Bank and FirstBank ATM Transactions: $2.00

Contact us to set up your account or to learn more about our personal checking options.