Banking FAQ

Q Are Northwest Georgia Bank deposit accounts FDIC insured?
A Yes! Each individual customer at Northwest Georgia Bank is insured by the FDIC up to $100,000.

Q How do I set up Direct Deposit of my payroll check?
A After your Northwest Georgia Bank checking application has been approved, you will receive Northwest Georgia Bank's routing and transit number and your account number. If your employer participates in a direct deposit program, simply provide this information to the human resources or payroll department at your company, and your direct deposit will usually begin within thirty days.

Q How do I set up Direct Deposit of my Social Security check?
A After your Northwest Georgia Bank checking application has been approved, you will receive Northwest Georgia Bank's routing and transit number and your account number. Simply contact us, and have your Social Security Number and account information available to set up your direct deposit right over the phone.

Q Can I get information about my account by phone?
A Yes! Account information is available with our Customer Service Representatives during business hours at any of our offices or ask about our Voice Response System for automated account information 24 hours a day.

Q What products can I apply for online?
A Check out Northwest Georgia Bank's Products and Services page to see which accounts you can apply for online.

Q Can businesses have accounts at Northwest Georgia Bank?
A Northwest Georgia Bank does offer online accounts for businesses. Please contact us about PC Banking for your business.

Q Does Northwest Georgia Bank offer IRAs online?
A Northwest Georgia Bank does offer IRAs online; check out our rates on our products and services page.

Q Is interest paid on Northwest Georgia Bank checking accounts?
A Yes! If you want a checking account that pays a market rate of interest, check out our Personal Checking Accounts.

Q Can I open an account if I don't live in the United States? What if I live in the United States but am not a citizen yet?
A As stated on our application, at this time, we only accept applications from persons residing within the United States with valid U.S. tax identification numbers (Social Security Numbers). If you have questions, contact us. We'd like to hear from you.

Q Can I do all of my banking with Northwest Georgia Bank?
A Yes! Thanks to the convenience of Direct Deposit and ATMs, everyday banking activities can be performed from the comfort of home. Contact us with questions about your banking needs.

Q Can I look at all of my transactions at any time?
A Yes! With Online Banking, you have access to your account information 24 hours a day, 7 days a week!

Q How frequently is my Northwest Georgia Bank information updated?
A Northwest Georgia Bank updates all customer information nightly. Whether you access our Online Banking site or visit our customer service department, your account information is updated every day to reflect all account activity.

Q Are wire transfers possible to and from my Northwest Georgia Bank checking account?
A Yes! Funds can be transferred to and from Northwest Georgia Bank accounts by wire transfer or via ACH (Automated Clearing House) debits or credits. Call our customer service department at 1-888-294-5445 for details.

Q How do I make a deposit to my account from a remote location?
A You can do most of your banking by using direct deposit, ATMs or ACH (Automated Clearing House) transactions. Northwest Georgia Bank also offers a bank-by-mail service which allows you to mail non-recurring deposits. Contact us for details on a method that's best for you.

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