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Macon-Atlanta State Bank

Savings

1893 Savings 

 
This account is an interest bearing account designed to be used as a general savings account.  This is a versatile account that can be used to save for vacations, down payments, a specialty item or anything else you are saving up for! 
 
Features:
 
  • Interest bearing
  • No monthly fee
  • Free Online Banking
  • FDIC insured
  • $50 to open
 


Junior Savings 

This interest bearing account is designed to teach children the value of saving money. The Junior Savings Account is a free savings account.
 
Features:

  • For children under the age of 18
  • Interest bearing
  • No monthly fee
  • Free Online Banking
  • FDIC insured
  • $25 to open
 


Certificates of Deposit

Investing your money seems simple enough -- put your money where it will earn a high interest rate, then let it grow. With a CD from Macon-Atlanta State Bank, you get a fixed rate for a fixed amount of time. It's a safe investment with a guaranteed return.
 
Features:
 
  • Fixed rates
  • Higher return than savings accounts
  • You select the term
  • Terms from 91 days to 5 years
 Check out our CD calculator to get the most out of your investment!


Health Savings Account 

 
Start using this tax-advantaged medical savings account today!

There are many reasons to open a Health Savings Account (HSA). A HSA is a tax-advantaged medical savings account available to taxpayers in the United States who are enrolled in a high-deductible health plan. The funds contributed to an account are not subject to federal income tax at the time of deposit. Funds also roll over and accumulate year to year if not spent. HSA funds may be used to pay for qualified medical expenses at any time without federal tax liability or penalty.

**We encourage all customers to speak with their insurance agent and tax adviser before setting up their HSA account to ensure they qualify and for answers to any tax questions.
 
Features:
 
  • Interest bearing account
  • No monthly service charge
  • FREE Debit Card available to those who qualify
  • $50 to open
 


Christmas Savings Account

Does it seem like the joy of giving gets a little bit harder on your wallet each year? Start setting aside funds now so that when it's time to start shopping for the holidays, you're ready.

Deposit as much and as often as you like into this account -- up to $3,000 -- and receive a competitive interest rate. When the season is upon us, we will transfer the funds into your Macon-Atlanta State Bank account.

Stop worrying about the cost of gifts so you can get back to celebrating what the season is really about!
 
Features:
 
  • Begin saving for Christmas now
  • Interest bearing on balances up to $3,000.00
  • No withdrawals or transfers before October 31
  • $10 to open