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
|
Personal Interest
|
Crown Interest
|
|
|---|---|---|---|
Interest Rate |
-- |
variable |
variable |
Online Banking |
√ |
√ |
√ |
Bill Pay |
√ |
√ |
√ |
Mobile Banking |
√ |
√ |
√ |
Mobile Deposit ( SUBJECT TO ELIGIBILITY ) |
√ |
√ |
√ |
Account Alerts |
√ |
√ |
√ |
E-Statements |
√ |
√ |
√ |
MaintainMinimum 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 forFull 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
|
Personal
|
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
Vice President
ahornbuckle@stsimonsbank.com
(912) 638-1267
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:
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
Vice President
ahornbuckle@stsimonsbank.com
(912) 638-1267
Stuart Buckley
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!