Planters First Bank Customer Friendly Guide for Easy Banking

Planters First Bank Customer Friendly Guide for Easy Banking.

Planters: Planters First Bank has several branches in their local area. This traditional brick and mortar bank is a community bank that has expanded to multiple locations, and most likely has ATM locations. Keep reading to know more about Planters First Bank…

Planters First Bank is a locally owned community bank serving Middle Georgia.

Founded in 1896, Planters First Bank is the 8th oldest financial institution in Georgia. We are made up of local citizens that care about our communities. We are committed to making a difference and we believe our impact in the communities we serve has been profound over the past century.

Our Mission is to provide exceptional services, returns, and opportunities to our Customers, TeamMates, and Shareholders. This will continue to be our goal and our legacy.

Planters First Bank Personal Checking Account

Our personal products and services are designed to enhance your banking relationship with us. Contact us today for your personal checking options as detailed below.

Regardless of your choice, all of our personal checking accounts come with a great range of standard benefits.

• FREE Online Banking & Bill Pay
• FREE Mobile Banking & Mobile Deposit
• Toll-Free Telephone Banking
• e-Statements
• Debit Card
• Unlimited Electronic Transaction Items

Select Checking

Simplify your banking, a basic account for your everyday needs.

• $50.00 Opening Deposit
• No Minimum Balance Required
• $10.00 Monthly Maintenance Fee
  • $2.00 Fee Waiver- 10 posted Debit Card POS per monthly statement cycle
  • $2.00 Fee Waiver-1 posted Direct Deposit per monthly statement cycle
  • $6.00 Fee Waiver- Electronic Statement
    • To receive electronic statements, customers must do a
      one-time enrollment into Planters First Bank Online Banking & E-Statements within 30 days of the date the account was opened.
  • Unlimited Check Writing

Apply Now OR Schedule an Appointment

Senior Checking

If you are at least 60 years of age, this account may be right for you.

• Must be 60 or over
• $50.00 Opening Deposit
• No Minimum Balance Required
• No Monthly Maintenance Fee
• No Paper Statement Fee
• Unlimited Check Writing

Apply Now OR Schedule an Appointment

Planters First Bank Student Checking Account

An account just for students…stress-free, do all your banking on the go.

• Must provide valid Student ID
• $50.00 Opening Deposit
• No Minimum Balance Required
• No Monthly Maintenance Fee
• $6.00 Paper Statement Fee (Waived with E-statements)
• 10 free foreign ATM transactions per calendar month

Apply Now OR Schedule an Appointment

Interest Bearing Checking

Enjoy market interest yields on your checking balances.

• $50.00 Opening Deposit
• Daily collected balance must equal $2500.00 to earn interest
• No Charge if balance is $2,500 or above
• $10.00 Monthly Maintenance Fee
  • ​To avoid a monthly maintenance fee keep an average balance of $5,000 or a minimum daily balance of $2,500

Apply Now OR Schedule an Appointment

Planters First Bank Personal Savings Account

Saving for better tomorrows? You’ve come to the right place.

Regular Savings

Account that earns interest that is compounded quarterly

• $50.00 Opening Deposit
• No Minimum Balance fee if balance is $300.00 or above
  • $5.00 Minimum Balance Fee below $300.00 anytime during the Statement Cycle
  • Waived for minors
• Limited to 3 withdrawals during Statement Cycle
  • $5.00 per Item Fee if more than 3 withdrawals occur during Statement Cycle
• FREE Online Banking
• FREE Mobile Banking

Apply Now OR Schedule an Appointment

Personal Money Market

Another option to having your funds earn premium interest yields while retaining access to your fund with the convenience of a checking account.

• Must have a Planters First Bank Checking Account
• $2,500.00 Opening Deposit
• Daily collected balance must equal $1000.00 to earn interest
• No Minimum Balance fee if balance is $2,500.00 or above
  • $15.00 Minimum Balance Fee below $2,500.00 anytime during the Statement Cycle
• Limited to 6 withdrawals during Statement Cycle
  • $9.00 per Item Fee if more than 6 withdrawals occur during Statement Cycle
• FREE Online Banking
• FREE Mobile Banking

Apply Now OR Schedule an Appointment

Relationship Savings

Save throughout the year, we make it easy to access your funds.

• Must have a Planters First Bank Checking Account
• $5.00 Opening Deposit
• No Minimum Balance Required
• Limited to 3 withdrawals during Statement Cycle
• $5.00 per Item Fee if more than 3 withdrawals occur during Statement Cycle
• FREE Online Banking
• FREE Mobile Banking

Apply Now OR Schedule an Appointment

Certificate of Deposit

Certificate of Deposit is a deposit contracted to leave your money on deposit for a specific period of time for a specific rate. Generally, the longer the money is left on deposit, the higher the interest rate.

If you would like to receive the interest income as you earn it, Funds may be credited to a PFB account or an interest check will be mailed directly to you at maturity or as agreed upon. To grow your investment faster, simply leave the compounded interest in the account to accumulate.

Interest penalties exist for withdrawal prior to the maturity date.

Apply Now OR Schedule an Appointment

Individual Retirement Accounts at Planters First Bank

A perfect supplement to social security or pension funds. We offer both Roth and Traditional IRAs, each having unique qualification requirements and different tax treatments.

If you are younger than age 70 ½ for the entire tax year and have compensation, you are eligible to make an annual tax-year contribution to a traditional IRA.

You are eligible even if you already participate in certain government plans, a tax sheltered annuity, a simplified employee pension (SEP) plan or a Savings Incentive Match Plan for Employers (SIMPLE), or a qualified pension or profit-sharing plan established by an employer.

The traditional IRA allows you to defer taxes on the earnings on your contributions until they are withdrawn. Certain contributions are tax deductible in the tax year for which you make them.

A Roth IRA allows only nondeductible contributions but features tax-free withdrawals for certain distribution reasons after a five-year holding period.

Since Roth IRA contributions are nondeductible and taxed in the year they are earned, if you expect to be in a higher tax bracket when you retire, you may benefit more from a Roth IRA than from a traditional IRA.

• Savings Incentive Match Plan (SIMPLE)

A SIMPLE, or Savings Incentive Match Plan for Employees of Small Employers, is a salary reduction arrangement similar to a 401(k) plan. However, SIMPLE contributions are deposited into a unique SIMPLE IRA. This IRA can only accept contributions under a SIMPLE. No other IRA contributions are permitted.

• Simplified Employee Pension (SEP)

Simplified Employee Pension plans (SEPs) can provide a significant source of income at retirement by allowing employers to set aside money in retirement accounts for themselves and their employees. Under a SEP, an employer contributes directly to traditional individual retirement accounts (SEP-IRAs) for all employees (including the employer).

A SEP does not have the start-up and operating costs of a conventional retirement plan and allows for a contribution of up to 25 percent of each employee’s pay.

• Small business owners may consider the SEP or Simple IRA plan as a means of providing retirement savings for yourself and your employees.

Please consult your tax advisor regarding eligibility and deductibility of an Individual Retirement Account.

Apply Now OR Schedule an Appointment

Planters First Bank Personal Loans

In our role as a true community bank, Planters First Bank invests in the lives, dreams and goals of our customers. We offer a complete menu of Personal Loans, and can tailor the right loan to meet your unique financial needs.

Unsecured Loans

Unsecured loans are perfect for a one‐time borrowing need. Fixed, predictable payments ensure easy budgeting, and our competitive rates with quick decisioning make our unsecured loans a great choice.

Apply Now OR Schedule an Appointment

Home Equity Line of Credit

Planters First Bank stands ready to help with your remodeling/renovation loan needs, offering attractive loan rates and flexible repayment terms.

Over the course of time, your home accumulates equity from your initial down payment, reduction in the mortgage amount, and the natural appreciation of your home’s value. With a Planters First Bank Home Equity Line of Credit, you can tap into that equity to provide funds for other expenses you have throughout the years.

As a line of credit, you may borrow time and again while you enjoy flexible repayment terms. And, for many borrowers, the interest paid on a Home Equity Line of Credit is tax-advantaged. Please consult your tax advisor.

• Line is established for five years
• Attractive interest rates
• Possible tax deduction (see your tax advisor)
• Payments as low as one percent of outstanding balance

Schedule an Appointment

Residential Construction Loans with Planters First Bank 

If you are considering building a home, renovating or adding on to an existing Home, a Planters First Bank Residential Construction Loan may be the perfect fit for your loan needs.

• Competitive rates
• Interest-only payments during the term of the loan

Schedule an Appointment

Home Improvement Loans

Planters First Bank stands ready to help with your remodeling/renovation loan needs, offering attractive loan rates and flexible repayment terms.

Schedule an Appointment

CD-Secured Loans

Enjoy exceptionally attractive loan rates when you use a Planters First Bank Certificate of Deposit as security on a personal loan.

Apply Now OR Schedule an Appointment

Auto / Truck Loans

Do you have your eye on a new or used car or truck? If so, talk with a Planters First Bank loan officer today. We offer competitive rates and loan terms, along with a responsive loan service!

Apply Now OR Schedule an Appointment

Line of Credit with Planters First Bank 

Talk with a Planters First Bank loan officer today about establishing a Personal Line of Credit. As a line of credit, you may borrow whenever you wish and for any reason you may have.

Schedule an Appointment

Planters First Bank Bank Locations and Contacts

Cordele

1620 East 16th Avenue Cordele, GA 31015

Phone: (229) 273-2416

Fax: (229) 276-2435

Cordele Operations Center

910 Greer Street Cordele, GA 31015

Phone: (229) 273-7510

Fax: (229) 273-8464

Fitzgerald Drive In

212 East Central Ave Fitzgerald, GA 31750

Phone: (229) 424-9600

Fax: (229) 423-6420

Hawkinsville

105 Commerce St Hawkinsville, GA 31036

Phone: (478) 783-4017

Fax: (478) 783-4019

Hawkinsville Drive In

129 Broad St Hawkinsville, GA 31036

Phone: (478) 783-4017

Fax: (478) 783-4019

Macon

4361 Rivoli Drive Macon, GA 31210

Phone: (478) 314-8006

Fax: (478) 314-8026

Ocilla

120 East 4th Street Ocilla, GA 31774

Phone: (229) 468-9463

Fax: (229) 468-5995

Perry

1400 Sam Nunn Boulevard Perry, GA 31069

Phone: (478) 987-9600

Fax: (478) 218-9332

Pineview

106 North Pine Street Pineview, GA 31071

Phone: (229) 624-2475

Fax: (229) 624-2058

Warner Robins

120B Osigian Boulevard Suite 200 Warner Robins, GA 31088

Phone: (478) 971-8020

This is the reason I am always here for you, that is to make sure you have the rightful information you need at any time. Kindly share this article about Planters First Bank with your friends and loved ones.

CSN Team.