Checking

As a valued customer, you deserve the best in products and services. We encourage you to compare our offerings and discover for yourself why Macon Bank is the first choice for one-stop banking. Each Macon Bank depositor is insured to at least $250,000 by the Federal Deposit Insurance Corporation.

Simple Checking

Pinnacle Checking with Savings

Pinnacle Checking with Certificate of Deposit

Bonus Checking

Prime 62 Checking

Health Savings Account

Other Checking Services

Simple Checking

  • Unlimited check writing
  • No monthly maintenance fee or minimum balance requirement
  • Free ATM/VISA® Debit Card
  • Free and unlimited ATM usage at Macon Bank owned ATMs
  • Free telephone banking, Internet banking and bill pay
  • Receive up to six (6) check copies per year at no charge.  Or, sign up for Free e-statements which includes copies of all checks

How to qualify for Simple Checking

  • $300 opening deposit.

Stop by your local branch or call our Telephone Service Center at 800-438-2265, Option 5 for more information.

Pinnacle Checking with Savings

  • Unlimited check writing
  • Monthly statement indicating account activity and interest earned.  Or, sign up for free e-Statements which includes copies of all checks
  • Earn interest on daily balance
  • Pinnacle standard check printing at no charge
  • Free ATM card or VISA® Debit Card
  • A credit toward any size safe deposit box
  • Money orders and cashiers checks issued without fee
  • Free notary services

How to Qualify for Pinnacle Checking with Savings

  • Minimum $500 to open
  • $2,500 in a checking or savings, or combination of these accounts to avoid maintenance fee
  • No minimum balance to earn interest

Stop by your local branch or call our Telephone Service Center at 800-438-2265, Option 5 for more information.

Pinnacle Checking with Certificate of Deposit

  • Unlimited check writing
  • Monthly statement indicating account activity and interest earned.  Or, sign up for free e-Statements which includes copies of all checks
  • Earn interest on daily balance
  • Pinnacle standard check printing at no charge
  • Free ATM card or VISA® Debit Card
  • A credit toward any size safe deposit box
  • Money orders and cashiers checks issued without fee
  • Free notary services

How to Qualify for Pinnacle Checking with Certificate of Deposit

  • Minimum $500 to open
  • $10,000 balance in any Certificate of Deposit (CD) to avoid maintenance fee
  • No minimum balance to earn interest

Bonus Checking

  • Receive a higher interest rate on your balance
  • All ATM fees refunded
  • Free VISA® Debit Card

How to Qualify for Bonus Checking

  • One monthly Direct Deposit or Electronic Draft Payment
  • Enroll in and access monthly our free e-Com online banking service
  • Enroll in our free e-Statement service
  • Have at least ten (10) posted monthly point-of-sale (debit card) purchases
  • Minimum daily balance of $1,000

Prime 62

  • Earn interest on daily balances of $1,000 or more
  • Prime 62 standard check printing at no charge
  • Money orders, cashiers checks and notary services with no fee
  • Receive up to six (6) check copies per year at no charge.  Or, sign up for Free e-statements which includes copies of all checks
  • Free ATM card or VISA® Debit Card
  • No minimum balance requirement
  • No monthly maintenance fee
  • Unlimited check writing

How to Qualify for Prime 62

  • Account holder must be at least 62 years of age.
  • Establish Electronic Direct Deposit for Social Security, Retirement or Payroll checks.

Stop by your local branch or call our Telephone Service Center at 800-438-2265, Option 5 for more information.

Health Savings Account

A Macon Bank Health Savings Account (HSA) gives you more control over your healthcare costs. A Health Savings Account is designed to help individuals save for future qualified medical and retiree health expenses on a tax-free basis. A Health Savings Account has a tax favored status - meaning what you contribute is either pre-tax or tax deductible. Using this money for qualified medical expenses is tax-free.
Combined with High Deductible Health Plan (HDHP), a Health Savings Account offers a more affordable approach to healthcare. A Health Savings Account is your account. If you switch jobs, the HSA account goes with you. Your money rolls over every year. There is no "use it or lose it" requirement.
One of the main things to remember about Health Savings Accounts is that you must have a qualified High Deductible Health Plan (HDHP) to open an HSA. Contact your insurance carrier to verify that your High Deductible Health Plan qualifies for an HSA.

  • No Monthly Fees
  • No Per Transaction Fees
  • Free VISA® Debit Card
  • No Minimum Balance Required
  • Interest On Daily Balances Over $1,000
  • Free e-statements
  • Set up fee $25.00

How to Qualify for Health Savings

  • Must have a high deductible health plan

Stop by your local branch or call our Telephone Service Center at 800-438-2265, Option 5 for more information.

Health Savings Calculator

Other Checking Services

ETA™

Receive your Social Security benefit check or other Federal payment the worry-free way. Have your check automatically deposited to a new federally insured account on time, every month at Macon Bank. There's no minimum balance required.

How to Qualify for ETA

  • Establish electronic direct deposit of Social Security or Federal Payment.

TeleBanc®

Take advantage of this convenient 24-hour service to make inquiries and transfers on your account. You will need the last four digits of your Social Security number and your account number as shown on your statement when you call. Ask one of our Customer Service Representatives to demonstrate the system when you are in our office.
TeleBanc 1-800-964-0284

Telephone Service Center

Macon Bank’s Telephone Service Center gives you access to a telephone banker during banking hours, Monday through Friday. You can speak with one of our friendly, experienced telephone bankers about your accounts and much more. Call 524-7000, ext. 2527 from within the Franklin calling area, or 1-800-438-2265, ext. 2527 from outside the Franklin calling area.

Macon eCom (On Line Banking)

Now you can bank 24 hours a day, 7 days a week in your pajamas or from another state with Macon Bank's online banking service! Macon Online Banking offers account inquiries, account transfers and automatic bill pay;  and it's all free! If you have an account with Macon Bank, a computer and Internet service, you're just steps away from banking online. Click here to enroll in Macon E-Com and securely access your account online.

Quicken interface available for business and personal accounts

Fee Schedule

Our current fee schedule is available for online viewing by downloading the .pdf file below. You must have a version of Adobe Acrobat to view the file.

Download Macon Bank fee schedule.pdf (198k) file

EZ Switch Kit

Privacy Policy.pdf

Personal Account Brochure.pdf (264 kb) file

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