Personal Solutions and Loans
Personal Solutions
Checking Accounts
Premier, Connect, Choice, Consumer Community
Savings Accounts
Regular Savings, Georgia Banking Company Money Market, Certificates of Deposit (CDs), Individual Retirement Accounts (IRAs)
Personal Accounts: Georgia Primary Bank to Georgia Banking Company
| If you currently have: | Your new Georgia Banking Company account will be: | Highlights of your new features are: |
|---|---|---|
| Free Checking | Consumer Community Checking* |
|
| Interest Checking | Premier Checking* |
|
| Founders Interest Checking | Premier Checking* | |
| Money Market | Georgia Banking Company Money Market |
|
| Founders Money Market | Georgia Banking Company Money Market | |
| Georgia Primary Bank Savings | Georgia Banking Company Regular Savings |
|
Above Georgia Banking Company accounts include: eStatements, Digital Banking with Bill Pay, Mobile Deposit, and Credit Monitoring. For more information on all products and services Georgia Banking Company offers, visit us at: georgiabanking.com/personal-checking2
*Includes Georgia Banking Company debit card
Certificate of Deposit and Individual Retirement Accounts
Your account will continue with the same rate, term, and early withdrawal penalties until maturity. At maturity your account will renew as a Georgia Banking Company account at the standard rate of interest with the term closest to, but not exceeding, the term of your certificate. Georgia Banking Company uses the daily balance method to calculate interest on your account. This method applies a daily periodic rate to the principal in the account each day. Your interest will be compounded daily and will be credited to the account each month.
At maturity, the new early withdrawal penalties will be equal to:
- If the Term is equal to 3 months but less than or equal to 1 year – 90 Days of interest on the amount withdrawn.
- If the Term is greater than 1 year but less than or equal to 2 years – 180 Days of interest on the amount withdrawn.
- If the Term is greater than 2 years – 365 Days of interest on the amount withdrawn.
- IRA owners over the age of 59 ½ may make early withdrawals without being penalized.
You will have a 10-calendar day grace period beginning with the maturity date, to withdraw the funds in the account without being charged an early withdrawal penalty. You will receive a maturity notice for each CD before the CD’s maturity date. This is the only maturity date notice Georgia Banking Company provides. A post-maturity notice is not provided. The interest rate and annual percentage yield have not been determined at the time of the notice. On or after the CD maturity date, you may visit your local Georgia Banking Company office, or you may call 866.711.4530 to obtain the terms of the CD.
Loans
With the merger of Georgia Primary Bank and Georgia Banking Company, the servicing of your mortgage loan is being transferred, effective September 15, 2025. This means a new servicer will be collecting your mortgage loan payments from you. Nothing else about your mortgage loan will change. The transfer of your loan does not affect any term or condition of the mortgage other than the terms directly related to the servicing of your loan.
Georgia Primary Bank, a division of Georgia Banking Company (GBC) is now collecting your payments and will stop accepting payments received from you after September 12, 2025. You may receive another statement from Georgia Primary Bank which will include the first payment amount you will owe to the new servicer listed below. Georgia Banking Company will collect your payments going forward. Your new servicer will start accepting payments from you on September 15, 2025. If your monthly payment is automatically deducted from your checking/savings account, this service will continue without interruption.
If you have a pre-existing HELOC with Georgia Primary Bank, billing statements for all HELOCs will generate on the last business day each month and payments are due on the 15th of the following month. This will begin with the statements generating on September 30, 2025, with payments being due on October 15, 2025 If you have other consumer loans with Georgia Primary Bank, your current loan's billing timing will not change. Beginning September 15, 2025, in addition to utilizing your local branch, all mail-in-payments can be sent to:
Georgia Banking Company
1776 Peachtree St. NW Ste. 300
Atlanta, GA 30309
We are available to assist you at any time should you have questions. You may contact either your present servicer, Georgia Primary Bank, a division of Georgia Banking Company, or your new Servicer, Georgia Banking Company, about your mortgage loan or this transfer. Please contact them using the information below:
CURRENT SERVICER:
Georgia Primary Bank
A Division of Georgia Banking Company
3880 Roswell Road
Atlanta, GA 30342
Phone: 404.231.4100
Hours of Operation: M-F 9:00 am to 4:00 pm
NEW SERVICER:
Georgia Banking Company
Customer Care Center
1776 Peachtree St. NW Ste. 300
Atlanta, GA 30309
Phone: 866.711.4530
Hours of Operation: M-F 8:00 am to 4:00 pm
Under Federal law, during the 60-day period following the effective date of the transfer of the loan servicing, a loan payment received by your old servicer on or before its due date may not be treated by the new servicer as late, and a late fee may not be imposed on you. Any loan payment received on a business day after the cut-off times listed below will be credited on the next business day.
Business Days & Hours to Receive Loan Payments
| PAYMENT METHOD | BUSINESS DAYS* | CUT-OFF TIME |
|---|---|---|
| Branch Locations | Monday-Friday | 4:00 pm |
| Telephone Transfer | Monday-Friday | 5:00 pm |
| Online Banking Transfer | Monday-Friday | 6:00 pm |
| Virtual Teller Machines | Monday-Friday | 5:00 pm |
| Monday-Friday | 4:00 pm | |
| 24/7 Online at GeorgiaBanking.com by selecting the Quick Loan Payment or Enrolled Loan Payments options.** | Available 24 hours a day | 6:00 pm |
*Except Banking Holidays
**Payments made after the 6:00pm cut-off time will be processed the following business day.
