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Client Access
Telephone Banking
Telephone Banking
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Personal Savings Accounts

We make saving easy! Let us help you with a savings account to meet your needs.



Personal Gold Investment
Money Market

Personal Savings

Interest Rate



Online Banking

Mobile Banking

Account Alerts



Minimum balance


Service Charge if below


minimum $1,000




minimum $100




Withdrawal limits

See below

3 per quarter, $2.00 fee for each   withdrawal exceeding the limit

Amount to Open



Safe Deposit Box Rental

vary by size

discount on rental


Important information about our Personal Gold Investment Money Market Account:

Withdrawals from this account are limited to six (6) third-party transactions. Three (3) transactions can be preauthorized drafts or automatic transfer to other accounts. There are no limits on the number of transfers or withdrawals made by mail, in person, or at an ATM. If transactions exceed the limit, there will be a $5 fee per transaction.


Personal Certificates of Deposits:

A CD is a good investment and we offer competitive interest rates on a variety of CD terms from 7 days to five years.


Individual Retirement Accounts (IRAs):

IRAs are an effective way to save for retirement. St. Simons Bank & Trust offers Traditional, Roth, SEP and Education IRAs with no annual maintenance fee.  We can help you transfer an existing IRA or rollover funds from an employer qualified retirement plan. 



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