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Savings, CDs & IRAs

We offer a wide range of FDIC-insured business savings options, including money market accounts. Come in and speak to one of our professional bankers today to develop a customized savings solution for your business.

Regular Savings

This account is the foundation of any financial plan and the best place for funds you set aside for a special purpose, or to save up for the slow months of the year.

  • Competitive rates that increase with higher balances
  • No service charge if minimum balance is maintained
  • Free internet banking and bill pay
  • Free paper statements

Money Market

Earn a higher rate of return with limited check writing privileges. This account is designed specifically for our business customers.

  • Six free withdrawals per statement cycle
  • Interest is credited to the account monthly
  • Free online banking
  • Free imaged statements
  • Maintenance fee is waived if a minimum balance is maintained

 

First Elite Money Market

First Bank of Dalton enhances your investment options with this high interest tiered rate account. This account is ideal if you maintain a high savings balance and desire a premium rate.

  • Tiered investment rate tied to the 90 day U.S. Treasury rate (adjusted monthly)
  • Maintenance fee is waived if a minimum balance is maintained
  • Six free withdrawals per statement cycle
  • Interest is credited to the account monthly
  • Free imaged statements

Sweep Accounts

Sweep accounts are a great way to earn interest on your businesses excess cash. Come see one of our customer service representatives today and see how we can put every dollar your business has to work for you.

  • Competitive rates
  • Flexible structures customized to your business needs

Certificates of Deposit

For longer term investments with higher yields, open a certificate of deposit. We offer a wide range of terms and interest payment options. Ask one of our bankers to design a CD that fits your needs today.

  • Variety of terms and maturities available
  • $500 minimum opening deposit

To report a lost or stolen Visa check card or ATM card during non-banking hours, please call 1-800-500-1044.  To report a lost or stolen Visa credit card call 1-800-423-7503.

NOTICE OF CHANGES IN TEMPORARY FDIC INSURANCE COVERAGE FOR TRANSACTION ACCOUNTS
All funds in a “noninterest-bearing transaction account” are insured in full by the Federal Deposit Insurance Corporation from December 31, 2010, through December 31, 2012. This temporary unlimited coverage is in addition to, and separate from, the coverage of at least $250,000 available to depositors under the FDIC’s general deposit insurance rules.
The term “noninterest-bearing transaction account” includes a traditional checking account or demand deposit account on which the insured depository institution pays no interest. It also includes Interest on Lawyers Trust Accounts (“IOLTAs”). It does not include other accounts, such as traditional checking or demand deposit accounts that may earn interest, NOW accounts, and money-market deposit accounts.
For more information about temporary FDIC insurance coverage of transaction accounts, visit www.fdic.gov.

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