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FDIC-Insured - Backed by the full faith and credit of the U.S. Government
merchant processing a credit card

Treasury Management


The Treasury Management Department at South Georgia Banking Company specializes in providing tailored financial solutions to commercial clients. They offer a range of services including cash management, payment processing, and risk mitigation. Leveraging advanced technology, they focus on optimizing efficiency and maximizing returns for businesses. With personalized consulting and ongoing support, they aim to build lasting partnerships based on reliability and exceptional service!


South Georgia Banking Company's merchant services allows you access to a full service Help Desk with online reporting and other business intelligence tools, 24/7 customer service & technical support.

Business Digital Bank- Access and Tools needed to manage your business account from anywhere.

Fee- No Fee

Business Mobile Banking- Access to your Treasury tools from any mobile device.

Fee- No Fee

IntraFi - Making sure all money is under FDIC Insurance

Fee – No Fee


Positive Pay Checks- Identifies potential fraud checks activity when the item is presented for payment. It is compared to a file that has been uploaded to our system.

ACH Positive Pay – Prevents any unauthorized ACH transactions. The business can set up ACH in a block, acceptable list or they can have ACH in an unlisted section.

Fee – $25 per tool, if both $45


ACH Origination- Processing and streamline payments to your vendors and payroll for your employees.

Fee- $20 per Batch/ $.08 per transaction or $50 a month/ $.08 per transaction

Online Wire Service- Initiating wires through our Digital Online platform

Fee- $30 Outgoing Domestic Wire


Remote Deposit Capture (RDC)- Ability to scan and deposit checks from the convenience of your office

Fee- $30 a month for RDC equipment (i.e., scanner)

Tier price for items processed in a month:

Tier1- 1-200 items $75

Tier2- 201-500 items $100

Tier3- 501-1200 items $125

Tier4- 1201-2500 items $175

Lockbox Services- This product streamlines, manages and process payments sent to your lockbox for payment processing.

Fee- Price varies based on size box that will be selected.

Merchant Card Services- Business with needs for Credit/Debit Card processing to receive payments. Gives the ability to take all forms of payment from cash payments to non-cash payments.

Fee- varies based on the type of product that is needed for the business.