Planters First Bank 2022 Customer Friendly Guide for Easy Banking : Current School News

Planters First Bank 2022 Customer Friendly Guide for Easy Banking

 – Planters First Bank –

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
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. They made us up of local citizens that care about our communities.
 
They committed us 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

They designed our personal products and services 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 in 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
 
‣ Also, 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
 
‣ The daily collected balance must equal $2500.00 to earn interest
 
‣ No Charge if the 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

An account that earns interest that is compounded quarterly
 
‣ $50.00 Opening Deposit
 
‣ No Minimum Balance fee if the 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 over 3 withdrawals occur during Statement Cycle
 
‣ FREE Online Banking
 
‣ FREE Mobile Banking
 
Apply Now OR Schedule an Appointment

Personal Money Market

Another option is to have 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.
 
‣ The daily collected balance must equal $1000.00 to earn interest
 
‣ No Minimum Balance fee if the 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 over 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 over 3 withdrawals occur during Statement Cycle
 
‣ FREE Online Banking
 
‣ FREE Mobile Banking
 
Apply Now OR Schedule an Appointment

Certificate of Deposit

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

Traditional IRA

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 take part in certain government plans, a tax-sheltered annuity, a simplified employee pension (SEP) plan or a Savings Incentive.
 
However, they have a 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.

Roth IRA

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 themselves and their employees.
 
Please consult your tax advisor regarding the 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 decisions 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 remodelling/renovation loan needs, offering attractive loan rates and flexible repayment terms.
 
Over accumulates equity from your initial down payment, a reduction in the mortgage amount, and the natural appreciation of your home’s value.
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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 repeatedly 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.
 
‣ They established the line for five years
 
‣ Attractive interest rates
 
‣ Possible tax deduction (see your tax advisor)
 
‣ Payments as low as one percent of the 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 remodelling/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

1. Cordele

1620 East 16th Avenue Cordele, GA 31015
Phone: (229) 273-2416
Fax: (229) 276-2435

2. Cordele Operations Center

910 Greer Street Cordele, GA 31015
Phone: (229) 273-7510
Fax: (229) 273-8464

3. Fitzgerald Drive-In

212 East Central Ave Fitzgerald, GA 31750
Phone: (229) 424-9600
Fax: (229) 423-6420

4. Hawkinsville

105 Commerce St Hawkinsville, GA 31036
Phone: (478) 783-4017
Fax: (478) 783-4019

5. Hawkinsville Drive-In

129 Broad St Hawkinsville, GA 31036
Phone: (478) 783-4017
Fax: (478) 783-4019

6. Macon

4361 Rivoli Drive Macon, GA 31210
Phone: (478) 314-8006
Fax: (478) 314-8026

7. Ocilla

120 East 4th Street Ocilla, GA 31774
Phone: (229) 468-9463
Fax: (229) 468-5995

8. Perry

1400 Sam Nunn Boulevard Perry, GA 31069
Phone: (478) 987-9600
Fax: (478) 218-9332

9. Pineview

106 North Pine Street Pineview, GA 31071
Phone: (229) 624-2475
Fax: (229) 624-2058

10. 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. Kindly share this article about Planters First Bank with your friends and loved ones.
CSN Team.

 

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