Personal Banking

Personal banking should be just that – personal. St. Simons Bank & Trust understands that the decisions you make today will shape the way you live for decades, and we plan to partner with you every step of the way. Experience personal banking the way it should be.

All of our accounts come with Online Banking, Mobile Banking, and Bill Pay. More importantly, you have us – a team of bankers ready to help whenever you need us.

Simple Checking

Our Simple Checking account meets all the essential needs for everyday banking.

Personal Interest Checking

Our Personal Interest Checking provides the added benefit of earning interest on your account.

Crown Interest Checking

Our Crown Interest Checking is designed for customers 50 or older. Earn interest with our full-service account.

Simple
Checking

Personal Interest
Checking

Crown Interest
Checking

Interest Rate

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variable

variable

Online Banking

Bill Pay

Mobile Banking

Mobile Deposit ( SUBJECT TO ELIGIBILITY )

Account Alerts

E-Statements

Maintain

Minimum balance or

Average daily balance

Service Charge if below

min $500

average $1,000

$8.00

min $750

average $1,500

$8.00 plus $.20 per check/debit

no service charge

Discount for

Full Time Students age 18-24

no service chg

--

--

Transactions

unlimited

unlimited

unlimited

Amount to Open

$100

$100

$100

Safe Deposit Box Rental

vary by size

vary by size

discount on rental

We make saving easy! Let us help you with a savings account to meet your specific needs.

Personal Gold Investment
Money Market

Personal
Savings

Interest Rate

variable

variable

Online Banking

Mobile Banking

Mobile Deposit ( SUBJECT TO ELIGIBILITY )

Account Alerts

E-Statements

~Maintain~

Minimum balance

Service Charge if below

minimum $1,000

$8.00

minimum $100

$5.00

Withdrawal limits

See below

3 per quarter, $2.00 fee for each withdrawal exceeding the limit

Amount to Open

$1,000

$100

Safe Deposit Box Rental

vary by size

vary by size

Important information about our Personal Gold Investment Money Market Account:

Withdrawals from this account are limited to six (6) third-party transactions. Three (3) transactions can be preauthorized drafts or automatic transfer to other accounts. There are no limits on the number of transfers or withdrawals made by mail, in person, or at an ATM. If transactions exceed the limit, there will be a $5 fee per transaction.

Personal Certificates of Deposit (CD):

A CD is a secure investment. St. Simons Bank & Trust offers competitive interest rates on a variety of CD terms from seven days to five years.

Health Savings Accounts (HSAs):

A Health Savings Account, also known as a HSA, offers tax advantages to individuals and families with high deductible health plans. With a HSA, you and your employer can make pretax contributions to be used toward eligible medical expenses. Simply access these funds with your St. Simons Bank & Trust debit card. Consult your tax professional regarding tax deductibility and contribution limits.*

Individual Retirement Accounts (IRAs):

IRAs are an effective way to save for retirement. St. Simons Bank & Trust offers Traditional, Roth, SEP and Education IRAs with no annual maintenance fee. We can help you transfer an existing IRA or rollover funds from an employer qualified retirement plan.

*Subject to credit approval

St. Simons Bank & Trust is committed to your success. Unlike most banks, St. Simons Bank & Trust strongly believes that the lending process is much more effective if our customers deal directly with the decision maker. We offer competitive rates, a quick response, and unique solutions for your lending needs.

  • Home Equity Lines of Credit
  • Construction Loans
  • Vehicle Loans
  • Lot Loans
  • Real Estate Loans
  • Personal Lines of Credit

Please feel free to contact our experienced loan officers to discuss your options.

Ashley Hornbuckle

Ashley Hornbuckle
Vice President
ahornbuckle@stsimonsbank.com
(912) 638-1267

Stuart Buckley

Stuart Buckley
Assistant Vice President
sbuckley@stsimonsbank.com
(912) 634-3302

We offer customers a variety of home financing options from in-house lending to secondary mortgage loans. St. Simons Bank & Trust offers the following types of loans:

This option provides you with the peace of mind knowing your interest rate is locked up to 30 years. With the most competitive rates in the business, we’ll find the best option for you and your family.
Because conventional financing isn’t always the best or most convenient solution, we offer no hassle, flexible lending solutions. Speak with a loan officer to discuss options best suited for you.
When you want to use the existing equity in your home for planned or unplanned expenses, we offer competitive rates to allow you to do so quickly and locally. Use the money where and when you need it!
From purchasing a lot, to contructing your residence, let us help you get started. We can work with you to build your future home with a construction loan.

Our Mortgage Calculator is a great tool to use as you plan for your mortgage needs.
Ready to get started? Click here for our Mortgage Application.


Please feel free to contact our experienced loan officers to discuss your options.

Ashley Hornbuckle

Ashley Hornbuckle
Vice President
ahornbuckle@stsimonsbank.com
(912) 638-1267

Stuart Buckley

Stuart Buckley
Assistant Vice President
sbuckley@stsimonsbank.com
(912) 634-3302

With electronic banking solutions from St. Simons Bank & Trust, you can manage your accounts and conduct routine banking transactions on your terms.

Mobile Banking with Mobile Deposit

Banking on the go has never been this easy. Experience the Mobile Banking app that was designed to meet your busy lifestyle.

Online Banking and Bill Pay

Enjoy the easiest, most convenient electronic banking you’ve ever known! With St. Simons Bank & Trust Online Banking, you can bank securely on your schedule, from anywhere you have Internet access! Transfer funds, pay bills, or review account activity at your convenience.

Text Alerts for Debit Cards

Receive text alerts directly to your mobile device regarding activity on your Debit Card. We want to help you monitor your account activity and this is another way to help keep you up-to-date wherever you are. Ready to sign up for SMS Guardian? Click here to get started!