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Bank MLO# 412453
Tracy McLendon MLO#
469507
 
Important Information

Notice Of Expiration of the Temporary Full FDIC Insurance Coverage for NonInterest-Bearing Transaction Accounts

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Welcome to the Bank of Hazlehurst!

Thank you very much for considering the Bank of Hazlehurst as your financial services provider. At the Bank of Hazlehurst, we pride ourselves in our ability to offer a full range of financial products and services. You won’t find more superior service or friendliness anywhere in today’s marketplace.

We are a LOCAL bank. All decisions affecting you and your business are made right here by home-town folks. Your money works for us all right here in Hazlehurst and Jeff Davis County, our community. The policies that affect you and your money are determined here by people who know you and our market.

Our employees are involved in our community, supplying manpower and financial support to create an even better quality of life. We are strong supporters of the Chamber of Commerce, hospital, governments, charitable organizations and our educational system.

Having been blessed by our community with loyal and faithful customers, we pledge to you superior personal service. Any bank can offer banking products, but we offer you SERVICE BEYOND BANKING.

Let us exceed your expectations!
Leonard H. Bateman
President - Bank of Hazlehurst

Choices for Today
             and Tomorrow...

Everyone's life is different, but the one thing we all have in common is too little time and too much to do. That's why we give you choices - so that you can do your banking the way you want. Choices in products and services and choices in how and when you use them. And, if you need a new choice, we want to know that too.

Checking Accounts     |     Savings Accounts     |     Consumer Lending

IRA's     |     Reorder Personal Checks     |     VISA Check Card


Time is Money ...

Running a successful business is always a challenge. At Bank of Hazlehurst, helping you meet that challenge is what we are all about. With our wide range of services, from real estate loans to check printing, we are prepared to handle your business financial needs.

The largest business to the smallest non-profit group will find products and services that are tailor-made just for them. Whichever option you choose, you can be assured we're making your money work as hard as you do. Check out why we say Bank of Hazlehurst is your total commercial services bank. To open an account, stop by one of our convenient branch locations, or call (912) 375-4228 to speak to a customer service representative.

Deposit Services     |     Commercial Lending


Click Click - It's That Easy

Visa Check Card    |    ATM Banking    |     Touch Tone Banking

Something just clicked... and banking will never be the same again. It's Internet banking with Premier eCom. Click. View your account balances and transaction activity. Click. Click. Pay your bills. Premier eCom makes banking faster, smarter and more convenient. So easy, it just clicks.

Anytime, Anywhere Convenience
Have your personal banking accounts available 24 hours a day, seven days a week. Premier eCom gives you a better, more convenient way to transfer funds, obtain information about your accounts, or even pay bills. Premier eCom will revolutionize the way you do your banking. This new service is safe, reliable, easy-to-use, money-saving and, most of all, convenient. With Premier eCom, bank whenever you want, wherever you want.

Account Activity
Why wait for your monthly statements? Get up-to-date information on your bank account today! In just a click, check on the status of deposits, loans, cleared checks, ATM transactions, transfers and more. Obtain your current and available balances. View monthly account information for Checking, Money Markets, Savings, IRAs, Loans and CDs. Don't hassle with paper statements - with Premier eCom, your account information will be available to you for up to one year effective from your sign-up date. Banking so easy, it just clicks!

Pay Bills
Bill paying has never been easier! Premier eCom's Bill Pay feature means no check-writing hassles, no envelopes to seal, and no stamps or checks to buy - just a fast, efficient and safe way to pay your bills electronically. With no limit on the number of bills you may pay per month, Premier eCom lets you pay your bills to businesses and individuals on-line. Schedule recurring payments automatically; you decide the frequency. Or, pay all bills with just one quick click using the Pay Group feature. You're in control of the payments and scheduling with Bill Pay. Just set up the payee, and click, it's done. It's that easy!

Transfer Funds
Easy and innovative, Premier eCom gives you a faster and more convenient way to get your banking done without ever setting foot inside a bank. Use Premier eCom to transfer funds back and forth between accounts - anytime, anywhere.

Security
When you first log on to Premier eCom, you'll be prompted to change your initial password for your safety and privacy. Keep this password confidential to ensure safety. When using Premier eCom, your information is protected while it's transmitted back and forth from the bank to your PC. The information is encrypted when it's transmitted, which means the data is modified such that it's unreadable to anyone except those users with correct decryption key. Our Premier eCom service utilizes the most secure encryption algorithm (128-bit key) and it will be automatically updated as more secure keys become available. Premier eCom account information is made available only to users with a secure web browser that uses the Secure Sockets Layer (SSL) protocol language. Recent versions of Netscape Navigator and Microsoft Internet Explorer support SSL.

Worldwide Access
Whether you're at home or away on a business trip, up early or working late, Premier eCom lets you handle a variety of banking activities with the convenience of the Internet. Practically any information you need about your bank accounts can be obtained at your convenience with Premier eCom. Log on to http://www.bankofhazlehurst.com for anytime, anywhere worldwide access.


We'll Make You Feel
                                 At Home.

As you join our community, remember no one knows Hazlehurst/Jeff Davis County quite like we do. After all, we've been a part of the community for over 100 years. We've made lots of friends during that time and always look forward to making new ones.

Whether it's helping you get your financial matters in order or simply helping you get to know Hazlehurst and Jeff Davis County - the Bank of Hazlehurst is here to help. Let us show you how we can open your account prior to your move, or assist with realtor and apartment location needs.

The Bank of Hazlehurst can meet all your banking needs from checking accounts to auto loans to investments and more. You'll see that "We're everything you expect from a bank…and more!"


Simply
         Convenient...

Convenience. It makes a big difference in where you choose to do your banking. You can count on a Bank of Hazlehurst branch or ATM being near you. Check the list. If convenience is important to you, then you should be banking with Bank of Hazlehurst.

Main Office
22 South Tallahassee Street
Hazlehurst, Georgia 31539

Phone (912) 375-4228
Fax (912) 375-3545
Lobby Hours
Monday - Thursday
9:00 - 4:00

Friday
9:00 - 5:00
Drive-In Hours
Monday - Wednesday
8:30 - 4:30

Thursday and Friday
8:30 - 5:00

Douglas Highway Branch - ATM Available

162 South Tallahassee Street
Hazlehurst, Georgia 31539

Phone (912) 375-2310
Fax (912) 375-4334

Lobby Hours
Monday - Thursday
9:00 - 4:00

Friday
9:00 - 5:00
Drive-In Hours
Monday - Friday
8:30 - 5:00

Saturday
9:00 - 12:00

What can we
         Do for You?

Whether you have questions, suggestions, or simply need more information, we want to hear from you.

Bank of Hazlehurst
P.O. Box 628
Hazlehurst, Georgia 31539

Phone: (912) 375-4228
Fax: (912) 375-3545
Email: customerservice@bankofhazlehurst.com

Notice: Because there is a small risk that information transmitted via Internet email could fall into the wrong hands, Bank of Hazlehurst suggests that confidential information, such as account numbers or social security numbers, not be transmitted via email. We recommend that you contact us directly for any questions regarding your account at (912) 375-4228.


Bank of Hazlehurst Privacy Policy

Revised: 03/2012

FACTS
WHAT DOES BANK OF HAZLEHURST DO WITH YOUR PERSONAL INFORMATION?
Why?

Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.

What?

The types of personal information we collect and share depend on the product or service you have with us. This information can include:

  • Social Security number and Income
  • Account Balances and Payment History
  • Credit history and Credit Scores
When you are no longer our customer, we continue to share your information as described in this notice.
How?
All financial companies need to share customers' personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers' personal information; the reasons Bank of Hazlehurst chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information
Does Bank of Hazlehurst share?
Can you limit this sharing?
For our everyday business purposes—
such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus
Yes
No
For our marketing purposes—
to offer our products and services to you
No
We don't share
For joint marketing with other financial companies
No
We don't share
For our affiliates’ everyday business purposes—
information about your transactions and experiences
No
We don't share
For our affiliates’ everyday business purposes—
information about your creditworthiness
No
We don't share
For non-affiliates to market to you
No
We don't share

Questions?

Call 912-375-4228 or go to www.bankofhazlehurst.com


Who we are
Who is providing this notice?
Bank of Hazlehurst
What we do
How does Bank of Hazlehurst protect my personal information?

To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.

How does Bank of Hazlehurst collect my personal information?

We collect your personal information, for example, when you

  • Open an account or apply for a loan
  • Pay your bills or show your drivers license
  • Give us your contact information

We also collect your personal information from other companies

Why can’t I limit all sharing?

Federal law gives you the right to limit only

  • sharing for affiliates' everyday business purposes - information about your creditworthiness
  • affiliates from using your information to market to you
  • sharing for nonaffiliates to market to you

State laws and individual companies may give you additional rights to limit sharing.

Definitions
Affiliates

Companies related by common ownership or control. They can be financial and non-financial companies.

  • Bank of Hazlehurst does not share with affiliates.
Non-affiliates

Companies not related by common ownership or control. They can be financial and non-financial companies.

  • Bank of Hazlehurst does not share with nonaffiliates so they can market to you.
Joint marketing

A formal agreement between nonaffiliated financial companies that together market financial products or services to you. 

  • Bank of Hazlehurst doesn't jointly market.

Internet Banking Security

Security
Your transactions are absolutely safe. Bank of Hazlehurst works with cutting-edge technology partners to ensure that the most secure environment is made possible for our valued customers. We offer you worry-free Internet banking. You can be completely confident of the following security measures:

Secure Communications
Our system ensures that data-exchanged between your PC and our computer network is encrypted with 128-bit encryption – the strongest encryption available. Encryption is accomplished through Secure Sockets Layers (SSL), which utilizes mathematical formulas to ‘encrypt’ or hide information from prying eyes on the Internet. Additionally, if SSL detects that data was added or deleted after you sent it to the bank, the connection will be severed in order to guard against any tampering. The most popular browsers have the SSL security feature included. How can you tell if your browser is secure? Click Here

Secure Environment
Our computer system does not connect directly to the Internet. It is isolated from the network via a ‘firewall.’ A firewall is a combination of software and hardware products that designate parameters, and control and limit the access that outside computers have to the banks’ internal networks and databases. You can feel secure knowing that our firewall protects your personal information from unauthorized access.

Secure Login
User IDs and passwords are isolated from the Internet by being stored on Bank of Hazlehurst’s computer. This way, the passwords and IDs can never be accessed or downloaded by anyone on the Internet. Additionally, user passwords can vary from six to twelve characters, which means the chance of randomly guessing a password is less than one in one billion! The system also checks for invalid logins and automatically disallows a user after three invalid attempts. This prohibits the ‘hacker’ from gaining access to our system, thus protecting your accounts.

Your Password
You will be responsible for maintaining one of the most important security measures: your password. When you receive your Bank of Hazlehurst online banking password, be sure to keep it a secret. Memorize it, or write it down and keep it in a safe place. It is not recommended you carry your password in your purse or wallet. Make sure no one watches you enter your password and always close your browser when leaving the computer. Make sure you regularly scan your computer for viruses that could be used to capture password keystrokes. You ultimately hold the key to your password security.”

Multifactor Authentication
Recently an additional layer of security and fraud protection has been added to help prevent identity theft.  Now when you signup for Internet banking you will be required to establish a security image and three security questions. Your security image will help to confirm that the website you are visiting is authentic and your passcodes will serve as a second layer of security to verify your identity on non-registered computers.


Notice Of Expiration of the Temporary Full FDIC Insurance Coverage for NonInterest-Bearing Transaction Accounts

By operation of federal law, beginning January 1, 2013, funds deposited in a noninterest-bearing transaction account (including an Interest on Lawyer Trust Account) no longer will receive unlimited deposit insurance coverage by the Federal Deposit Insurance Corporation (FDIC). Beginning January 1, 2013, all of a depositer's accounts at an insured depository institution, including all noninterest-bearing transaction accounts, will be insured by the FDIC up to the standard maximum deposit insurance amount ($250,000), for each deposit insurance ownership category.

For more information about FDIC insurance coverage of noninterest-bearing transaction accounts, visit www.fdic.gov/deposit/deposits/unlimited/expiration.html.

 


Checking Accounts

At Bank of Hazlehurst, we are committed to making your banking experience simpler and more convenient. That's why we offer such a wide range of checking options. No matter which product or option you choose, Bank of Hazlehurst offers you more conveniences and services that allow you to stay in touch with your money. When it comes to checking services, nothing offers more than a Bank of Hazlehurst Checking account. There's one for virtually every need and lifestyle, from students to those over 50, all with a wealth of added value you won't find just anywhere. All Checking account holders can enjoy the following benefits and services:

  • Direct Deposit service
  • Overdraft protection available through your Bank of Hazlehurst savings account
  • Visa Check Card (available upon request)
  • Automated Teller Machine access to Bank of Hazlehurst ATMs
  • Touch Tone Banking service...24-hour access to account information
  • Hometown Customer Service

To open an account, stop by one of our convenient branch locations, or call (912) 375-4228.


Personal Checking
Provides basic bank conveniences such as Direct Deposit, Touch-Tone Banking and access to our network of ATMs. $100 minimum deposit to open this account and $3 monthly account maintenance fee. No fees charged if account maintains a $500 minimum daily balance or $1,500 average balance. $.20 for each debit transaction if minimum or average balance is not maintained. Monthly statement.


Choice Checking
Flat-fee checking complete with a number of convenient banking benefits and services. $100 minimum deposit to open this account and $7.50(Basic) or $8.50(Family) monthly maintenance fee, regardless of account balance. Unlimited check writing. Unlimited ATM access to Bank of Hazlehurst ATMs at no charge. Initial supply of wallet checks free. Monthly statements.


Basic Checking
Offers low maintenance fees for people who do not write many checks. $100 minimum deposit to open this account and $3.50 monthly account maintenance fee, regardless of account balance. Fifteen debit transactions free per statement cycle ($.50 per debit item in excess). Monthly Statements.


Student Checking
Offers the ultimate in flexibility and convenience for students on the run. Available to all students under age 24 with a valid college ID. $100 minimum deposit to open this account and $2 monthly account maintenance fee, regardless of account balance. Twenty debit transactions free per statement cycle ($.50 per check in excess). Unlimited ATM access to Bank of Hazlehurst ATMs at no charge plus unlimited Visa Check Card transactions (these transactions do not count against the number of free debit transactions per statement cycle). Automatically converts to Basic Checking at age 24. Monthly Statements.

Interest Checking
Combines the best of a checking and savings account: high-tech services plus interest on your daily balance. $100 minimum deposit to open this account and $7.50 monthly account maintenance fee. $.25 for each debit transaction. No fees charged if account maintains a $1,000 minimum daily balance or a $2,500 average balance. No minimum balance required to earn interest which is compounded daily and credited monthly. Interest paid on the ledger balance. Monthly statement.


Gold Checking
Designed especially for those 55 and up, includes free checks and extras galore! $100 minimum deposit to open this account and $1 monthly account maintenance fee. No fees charged if account maintains a $100 minimum daily balance or a $250 average balance. No minimum balance required to earn interest which is compounded daily and credited monthly. Interest paid on the ledger balance.

Free supply of personalized checks Bank of Hazlehurst basic wallet style. Competitive rates on CDs. Unlimited ATM access to Bank of Hazlehurst ATMs at no charge. Monthly statements.


Savings Accounts

It may seem that the future and your financial security down the road are too far off to worry about--when in fact they are closer than you think. The future is now and it has become increasingly important for you to prepare for it. Our advice is to save early and often: the sooner, the better. Given the way in which interest is compounded, 'early' money grows at a faster rate than 'late' money. In other words, the sooner you begin a regular savings program, the better your chances of reaching your financial goals.

At Bank of Hazlehurst, it is our goal to be your partner in securing your financial future. Whether you're saving for the long-term or just putting aside a little cash for the holidays, we have the perfect savings account for you. Just look at all the tools we employ to maximize your savings

To open an account, stop by one of our convenient branch locations, or call (912) 375-4228.


Personal Savings
A great way to begin planning for your future. Our automatic transfer from checking to savings option gives you maximum flexibility and provides a disciplined way to save. $100 minimum deposit to open this account and $1 monthly account maintenance fee. No fee charged if account maintains a $100 minimum daily balance. One debit transaction free per month ($2 per debit item in excess, regardless of account balance). ATM access and automatic transfers from other Bank of Hazlehurst accounts available. Automatic transfers are limited to 6 per month. No minimum balance required to earn interest which is compounded daily, credited monthly and paid on the ledger balance. Statements for savings accounts are mailed at least quarterly.


Minor Savings
Its never too early to teach children how to save with this account specifically designed for children 17 and under. $0 minimum deposit to open. Joint with parent or guardian. No monthly maintenance fee or minimum balance requirement. One debit transactions free per month ($2 per debit item in excess regardless of account balance). No minimum balance to earn interest which is credited monthly and paid on the ledger balance. Automatically converts to Personal Savings at age 18. Quarterly statements.


Money Market
Higher interest for higher balances. Money Market is ideal for those who can maintain a higher minimum balance and don't write many checks. $100 minimum deposit to open this account and $10 monthly account maintenance fee. No fee charged if account maintains a $1,000 minimum daily balance or a $2,500 average balance. Six debit transactions free per statement cycle ($5 per debit and/or check/draft item in excess, regardless of account balance). If an account continuously exceeds the debit transactions allowed, we are required by law to reclassify or close the account. Interest compounded daily, credited monthly and paid on the ledger balance. Tiered interest rate structure:

  • $0 - $49,999.99
  • $50,000 or more
  • Rate tier will be determined on daily balance

Monthly statements.


Holiday Savings
See how a few dollars a month add up to a bountiful holiday in this no maintenance fee, no minimum balance account. $0 required to open this account. Interest is compounded daily and paid on the ledger balance annually. One (1) debit transaction allowed per year ($10 per debit item in excess regardless of account balance).

Certificate of Deposit (CDs)
If you want to earn the most interest with the least risk, a Certificate of Deposit might be the right investment option for you. $1,000 minimum deposit to open this account with a variety of maturity dates available. Pays a market rate of interest through maturity date. Maturity notice/Pre-renewal notice is mailed ten days prior to maturity/renewal date.Automatic certificate renewal is available. Certificates can be used as collateral on loans. Interest may be reinvested, deposited to another account or paid out by check. Penalty for early withdrawal.


Jumbo Certificates of Deposit
Ideal for people who have larger amounts to deposit for a specific period of time and are looking for a higher market rate. $100,000 minimum deposit to open. A variety of maturity dates available. Penalty for early withdrawal.


Consumer Lending Services

Credit. In today's economy, most of us have to borrow money from time to time. Since individual credit needs vary, Bank of Hazlehurst offers you several options. Whether you are buying a car or want to remodel your home, we have a loan to meet your needs. And at Bank of Hazlehurst, we make loan decisions locally the old-fashioned way! Our loan officers will meet with you one-on-one to discuss your individual needs.

For full details on how to apply for lending services, stop by one of our convenient branch locations, or call (912) 375-4228.


Automobile Loans
We'll steer you in the right direction with our competitive new and used automobile loan programs. We offer many repayment options and low interest rates for qualified applicants. Take the dealer's rebate and let Bank of Hazlehurst finance your next new car or truck! Call or stop by today for pre-approval!


Installment Loans
Need a vacation? Want to pay off some of those nagging bills? How about some new furniture or that entertainment center you've had your eye on? Bank of Hazlehurst makes loans for most any good reason.


Boat and RV Loans
Take some time off, and relax easier knowing that your new boat or RV isn't costing you an arm and a leg with our easy repayment terms. Call us today and start enjoying life a little more!

Individual Retirement Accounts

Deductible IRAs
Tax-deferred retirement plans in which taxes are not paid on the money invested or earned until withdrawal.

  • Maximum annual contribution of $5000 ($6,000. If age 50 or older)or 100% of an individualís earned income, whichever is less; a total of $10,000 ($12,000 if age 50 or older) may be made if married and filing jointly.
  • Fixed-rate CD or variable-rate account options available.
  • All interest earned is tax-deferred until withdrawal.
  • No IRS penalty for withdrawal at age 59 1/2 and over.
  • At age 59 1/2, withdrawal options of one lump sum payment or monthly, quarterly or annual payments.
  • 10% IRS penalty for early withdrawal.
  • Investors can withdraw money from their IRA before turning 59 1/2 without penalty for a qualified first-time home purchase (up to $10,000) or for higher education expenses.
  • Upgrade option at age 59 1/2 and over - ask us for details.

Please consult with your tax advisor about any and all IRA transactions.

Visit one of our convenient branch locations for more information on the Roth IRA and expanded traditional IRAs or contact us at (912) 375-4228 or (912) 375-2310.

Roth IRAs
Consumers can now enjoy the benefits of the Roth IRA and the significant improvements to traditional IRAs. Created by Congress, the Roth IRA is a non-deductible IRA that allows for tax-deferred earnings and potentially income tax-free distributions if distributions are qualified.

  • Income tax-free distributions. One of the advantages of the Roth IRA is the income tax-free distributions. A traditional IRA only allows tax deferral. In other words, the government collects its tax at the time of distribution. Distributions from the Roth IRA are income tax-free if used for a qualified purpose.
  • Qualified distribution reasons. Qualified distributions from a Roth IRA include distributions made for first home purchases (up to $10,000 lifetime), age 59 ½ or older, death, and disability. The distributions must also meet a five-year holding period requirement in order to qualify.
  • $5,000 contribution limit. The contribution limit for a Roth IRA is $5,000 ($6,000 if age 50 or older) but must be coordinated with any traditional IRA contribution. Eligible individuals are allowed to contribute $5,000 ($6,000 if age 50 or older) maximum between both the Roth IRA and the traditional IRA.
  • Eligibility. The Roth IRA is available to single filers with earned income below $105,000 and married couples filing jointly with incomes below $166,000. (Phaseout ranges exist for individuals making more than those amounts.) Age 70 ½ requirements do not apply to Roth IRAs.
  • Rollovers from traditional IRAs. Your traditional IRA assets may be rolled into a Roth IRA to take advantage of income tax free distributions in the future; however, the taxes on the rollover must be paid within that year.

Please consult with your tax advisor about any and all IRA transactions.

Check any of our convenient branch locations for more information on the Roth IRA and expanded traditional IRAs or contact us at (912) 375-4228 or (912) 375-2310.


Reorder Personal Checks Online

Reorder personal checks. Change check styles. View the status of your order. Online! 24 hours a day, 7 days a week. Just one more way that Bank of Hazlehurst is making banking easier for you.

You can reorder checks online if:

  • You have ordered checks for your Bank of Hazlehurst account any time after August 2001
  • You do not want to make changes to your check order.

    Note: Not all check styles are available for online ordering. A list is provided on the Deluxe Website.

You should call Customer Service or visit a Bank of Hazlehurst branch to reorder if:

  • This is your first time ordering checks for your Bank of Hazlehurst account.
  • This is the first time ordering checks since August 2001.
  • You need to change any information on your checks, including name, address or first check number.
  • You prefer a check style that is not on the Deluxe online order list.

Other Information Available:

  • You can view the entire Deluxe check catalog by clicking the link below.
  • A list of check styles available for reorder online.*

How to Order

All you will need is your check reorder form or one of your current checks.


Click here to begin!


Visa® Check Card

Looks like a credit card but works like a check. Withdraws funds directly from your checking account and since it's not a credit card, there are no interest charges.

  • Easy and convenient access to your checking account without using checks
  • Accepted everywhere a Visa card is accepted
  • Can be used at any Bank of Hazlehurst ATM
  • Issued upon approval
  • Annual check card fee of $12 (can be charged $1 per month or $12 annually)

To open an account, stop by one of our convenient branch locations, or call (912) 375-4228 to speak to a customer service representative.


Commercial Deposit Services

Bank of Hazlehurst's Deposit Services are created to give businesses an opportunity to manage their cash flow with a minimum of hassle and a maximum of profit. Paperwork is virtually eliminated with our simple monthly statement, and many accounts don't require a minimum balance to earn interest. All accounts are protected by FDIC insurance, and most also offer the convenience of a Visa Business Card (upon approval).

The largest business to the smallest non-profit group will find products and services that are tailor-made just for them. Whichever option you choose, you can be assured we're making your money work as hard as you do. Check out why we say Bank of Hazlehurst is your total commercial services bank. To open an account, stop by one of our convenient branch locations. For questions, call (912) 375-4228or (912) 375-2310.


Commercial Checking
For businesses that write a significant amount of checks and deposit a large amount of cash and checks each month, Bank of Hazlehurst offers the Commercial Checking Account. To make managing your cash flow as easy as possible, this account features many different convenient options such as account reconciliation, cash management, night deposit, payroll direct deposit and a Visa Business Card (upon approval).

$100 minimum deposit to open account and $6 monthly maintenance fee. Per deposited item: $.075. $.14 per debit item. Earnings credit rate based on previous month's average of 90-day Treasury Bill Rate. FDIC Insurance charge per $100 average ledger balance is based on the current FDIC assessment - $.0009 per $100. Negative collected balance charge is Prime + 2% (based on daily balance). Your account will be debited approximately the 10th of each month for any net service charges incurred during the previous month.


Business Interest Checking
Individuals, sole proprietors and couples who operate their own unincorporated business or non-profit organization will appreciate the convenience and money saving opportunities of this account. There is no minimum balance required to earn interest. Visa Business Cards are also offered (upon approval), as well as night deposit and merchant services.

$100 minimum deposit to open and $7.50 monthly maintenance fee. $.25 per debit item. $.10 per deposited item.

Interest will be compounded daily, credited monthly and paid on the ledger balance less the current reserve requirements. Rate is subject to change without notice.

Bank of Hazlehurst reserves the right to require at least seven (7) days notice prior to withdrawal or transfer of any funds in the account.


Small Business Checking
For businesses with limited monthly transactions, this account is non-analyzed and non-interest bearing. $100 minimum deposit to open account and $10 monthly maintenance fee (no charge if account maintains a $1,000 minimum daily balance or $2,000 average balance). 100 deposited items free ($.50 per item in excess) and 100 debit items free ($.50 per item in excess). No FDIC premium. If your monthly activity exceeds these levels you may wish to convert to Commercial Checking.

Business Savings
Any size business with an account balance that fluctuates can benefit from this account's competitive interest rate. $100 minimum deposit to open account and $3 monthly maintenance fee (no charge if account maintains a $500 minimum daily balance). 1 debit transaction allowed per month ($2 per item in excess regardless of balance). Interest will be compounded daily, credited monthly and paid on the ledger balance. Quarterly statement. Rate is subject to change without notice.

Commercial Money Market
This account is designed for businesses who want the opportunity to earn interest on their account. No minimum balance is required to earn interest. Upon approval, you are issued a Visa Business Card as an alternate purchase route. Plus, your money is always safely insured by the FDIC. $1,000 minimum deposit to open account and $10 monthly maintenance fee (no charge if account maintains a $1,000 minimum daily balance or $2,500 average balance). Six (6) debit transactions allowed per statement cycle ($5 per debit item in excess, regardless of account balance). If an account continuously exceeds the debit transactions allowed, we are required by law to reclassify or close the account. Tiered interest rate structure:

  • $0 - $49,999.99
  • $100,000.00 or more

Interest will be compounded daily, credited monthly and paid on the ledger balance.

Bank of Hazlehurst reserves the right to require at least seven (7) days notice prior to withdrawal of any funds in the account.


Non-Profit Checking
For local organizations and clubs that are not-for-profit, we offer this account with no minimum balance and no monthly maintenance fee. This account also comes with a Visa Business Card upon approval, which allows an alternative purchase route. $100 minimum deposit to open and no monthly maintenance fee. 10 debit items free ($.50 per item in excess). Debit item charges can be avoided by maintaining a $250 minimum daily balance or a $500 average balance.

IOLTA (Interest On Lawyers Trust Account)
This account designed for lawyers generates interest on lawyers' escrowed checking account funds. $100 minimum deposit to open and $7.50 monthly maintenance fee. $.10 per deposited item. $.25 per debit item. FDIC Insurance charge per $100 average ledger balance is based on the current FDIC assessment - $.0009 per $100. Negative collected balance charge is Prime + 2% (based on daily balance). Interest will be compounded daily, credited monthly and paid on the ledger balance less the current reserve requirements. Earnings credit rate is previous month's average of 90-day Treasurby bill rate. Rate is subject to change without notice.


Bank of Hazlehurst reserves the right to require at least seven (7) days notice prior to withdrawal or transfer of any funds in the account.
Business Certificates of Deposit (CDs)
Only $1,000 is required to invest in this savings plan. Bank of Hazlehurst offers short and long term maturities, automatic renewals, and your CD's can even be used as collateral on a loan.

Commercial Lending

Specializing in loans for real estate construction and project developments, business expansion, new equipment purchases, credit lines, and short term loans, our commercial loan team is a seasoned group of professionals with many years of lending experience in the Southeast Georgia area. Bank of Hazlehurst can help your business grow and a Bank of Hazlehurst loan officer is ready to discuss the option that is right for you.

Check out why we say Bank of Hazlehurst is your total commercial services bank. Stop by one of our convenient branch locations, or call (912) 375-4228.


Electronic Banking Center / ATMs
  • Convenient, 24-hour access to your Bank of Hazlehurst checking and savings accounts.
  • Access funds with your Bank of Hazlehurst Visa Check Card, ATM card, or Bank of Hazlehurst Visa or MasterCard.
  • Balance information available (statements are available for a fee at some locations).
  • Perform routine banking transactions-deposits, withdrawals, transfers.
  • Cash advances on Bank of Hazlehurst Visa or MasterCard.
  • Transactions are reported on monthly checking, savings, or Bank of Hazlehurst Visa or MasterCard statement.
  • No transaction fee for ATM or Visa Check Card transactions at Bank of Hazlehurst ATMs

ATM Networks
You can access your Bank of Hazlehurst accounts at ATMs across the U.S. and the world. Our Visa Check Card, ATM card, Visa, and MasterCard are accepted at the following network ATMs: Honor, Plus, Cirrus, AFFN, Tyme, Shazam, Visa, MasterCard, Star, MAC, Alert, Pulse, Yankee 24, Oath, Magic Line, and NYCE. A small fee will be assessed for each transaction processed at a non-Bank of Hazlehurst ATM. For more information, visit one of our convenient branch locations or call (912) 375-4228.


Touch Tone Banking

We at Bank of Hazlehurst recognize there are many forms of communicating with us. The following features are available:

Touch Tone Banking-Free 24-hour access to information about your Bank of Hazlehurst checking and savings accounts, installment loans, and bankcards by calling (912) 375-4444 or toll free 1-866-678-2306.

Electronic Funds Transfer - Our Electronic Funds Transfer service lets you transfer funds between your Bank of Hazlehurst accounts by touch tone phone, 24 hours a day, 7 days a week.

To sign up for this service, visit the Bank of Hazlehurst branch nearest you or call (912) 375-4228 or (912) 375-2310.


Financial Calculators

Loan Calculator   |   Mortgage Calculator   |  Investment Calculator   |   Stock Calculator

Loan Calculator

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Investment Calculator
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Stock Calculator
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