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What's changing?
Unless you give us permission, we cannot continue to offer the same overdraft services you already receive on your debit card and ATM transactions after August 15th, 2010.
Why?
UNLESS YOU ACT, the overdraft services you've always been able to count on will end, due to new regulations.
Who's affected?
All of our customers who use debit cards for purchase or make ATM withdrawals.
How can I continue to receive overdraft services?
- Login to Online Banking and complete the form.
- Send an e-mail to .
- Call us at 706-866-4661.

Urgent deadline regarding your debit/ATM card services
To keep the overdraft services you have, we need to hear from you.
We need your permission if you want to continue receiving the same overdraft services that protect your account today.
Please take a moment to choose whether you wish to continue to receive overdraft services on your debit card purchases and ATM transactions.
Without your permission, any overdrawn purchases made with your debit card, or ATM withdrawals exceeding your balance, will be DECLINED beginning August 15, 2010.
Even in an emergency your transactions will be declined - unless you act now and give us permission to continue your overdraft services.
Please login to Online Banking to notify us of your preference.







