ELECTRONIC BANKING

ATM Locations

Main Office - 132 South Harris Street
Sandersville Branch Office - 818 South Harris Street
Statesboro Branch Office- 425 Commerce DR.

CBWC is a member of the NYCE, STAR and CIRRUS networks.

DEBIT CARDS

Enjoy convenient purchasing power by using a CBWC Debit Card. With a debit card, you can

Pay for purchases at places that have agreed to accept VISA debit cards including catalog and telephone purchases
Withdraw cash from your checking account or savings account.

TELEPHONE BANKING

CBWC Action Line is a 24-hour automated telephone bank information system that allows you to obtain valuable account information 7 days a week. Call and get such information as the following:

Your account balance in checking, money market and savings accounts
Specific information on checks, deposits, and withdrawals
CD's account balance, maturity date and accrued interest
Loan balance, interest rate, per diem rate, and payoff
Make account transfers and loan payments

Dial (478) 552-9282 to access the CBWC Action Line.

INTERNET BANKING & BILLPAY

Enjoy convenient, secure, 24-hour Internet Banking from the privacy of your home. Use Internet Banking to:

View account balances and transactions
Transfer funds
Make or schedule loan payments
Make or schedule Credit Card payments
Order checks
Request Stop Payments

Applications are available at both bank locations or click here to enroll online. Add extra convenience to your Internet Banking experience by enrolling in our Billpay option. With Billpay, Internet Banking customers can pay their bills online. No writing checks, addressing envelopes, or buying stamps.

eSTATEMENT Delivery

Enjoy the convenience of receiving your statement electronically. Click here for access to eStatements. No waiting on the mail, and no added paper to file. Call one of our convenient locations for additional information.

CREDIT CARDS (VISA, VISA GOLD, MASTERCARD, MASTERCARD GOLD)

When you use the CBWC Credit Card for the purchase of goods or services, the following benefits are available:

Travel Accident Insurance

You are automatically covered by accidental death and dismemberment protection when traveling by any common carrier worldwide. Travel Reservations
Call toll-free 24 hours per day for these travel reservations: hotel / motel accommodations, rental car arrangements, airlines, trains, or cruises. Travel Discounts
You are guaranteed special savings on auto rental rates at Avis, Hertz, and National. Travel Dividends
Dividends are yours whenever you use the Travel Reservations service. Emergency Cash
You have emergency cash available, up to $500.00, if you are stranded without cash. Cardholder Vantage Point
A quarterly newsletter will come to you with your card statement. Eyewear Discounts
This program entitles you to savings on most eyewear products. Telecommunications Card
You will receive a combination of savings and features you won't find in any other card, and all through a single toll-free number!

Additional Visa Gold Benefits

Auto rental Insurance (CDW)
Warranty Manager Service
Gold Travel Assistance Services

Additional Gold MasterCard Benefits

MasterTrip
Auto rental Insurance (CDW)
MasterPurchase
MasterAssist/Medical
MasterRental
MasterCard Emergency Services

MERCHANT CARD ACCEPTANCE

Offer your customers the added convenience of credit purchases by becoming a member of our merchant card acceptance service.

Receive credit for your deposits in 4 business days;
Allows for the acceptance of Visa and Mastercard sponsored cards as well as bank issued debit cards;
Lessens the risk of insufficient funding by receiving preauthorization;
Prevents the need for accepting out of state or nonlocal checks;
Technical support provided locally by staff members of CBWC.
Call one of our convenient locations for additional information.

REMOTE DEPOSIT

Enjoy the convenience of making your deposits from your desk, without having to make a trip to the bank. Funds clear electronically, and you will especially enjoy the enchanced research and reporting capabilities. Click here for eDeposit Access.

***IMPORTANT NOTICE OF CHANGES IN TEMPORARY FDIC INSURANCE COVERAGE FOR TRANSACTION ACCOUNTS***
All funds in a “noninterest-bearing transaction account” are insured in full by the Federal Deposit Insurance Corporation from December 31, 2010, through December 31, 2012. This temporary unlimited coverage is in addition to, and separate from, the coverage of at least $250,000 available to depositors under the FDIC’s general deposit insurance rules.The term “noninterest-bearing transaction account” includes a traditional checking account or demand deposit account on which the insured depository institution pays no interest. It also includes Interest on Lawyers Trust Accounts (“IOLTAs”). It does not include other accounts, such as traditional checking or demand deposit accounts that may earn interest, NOW accounts and money-market deposit accounts. For more information about temporary FDIC insurance coverage of transaction accounts, visit www.fdic.gov.

ELECTRONIC FUNDS TRANSFERS

ACH Origination

In order to provide more convenient banking services for commercial customers, Citizens Bank now offers ACH origination, an electronic system that debits one account while depositing money into another account, with one computerized transaction.
Examples of ACH transactions include direct deposit of payroll and automatic debits, such as payment of insurance premiums. ACH Origination is not only convenient but also serves as an accounting asset for commercial customers.
What ACH Origination can do for your company:

Reduce operational costs
Increase efficiency
Improve funds availability
Provide benefits for employees or customers

For more information concerning CBWC Commercial ACH Origination Program and what it can do for you and your company, contact a member of our Electronic Banking Department at (478) 552-5116 or through email at cbwc@cbwc.com

Wire Transfers

Send and receive wired funds via the FedLine. Just provide CBWC with a bank routing number and account number, Beneficiary name, address, social security number, and account number when applicable.
Domestic Wire Fee: Incoming - $20.00 Outgoing - $20.00
International Wire Fee: Incoming - $25.00 Outgoing - $25.00

Automatic Transfers

Elevate your cash management program to a more efficient level by enrolling in our automatic transfer or sweep accounting program. With this program, you can:

Transfer excess funds to an interest bearing account
Receive overdraft protection for highly transacted accounts
Use funds on an as needed basis so that greater yields can be earned
Process accounts payables automatically on a scheduled basis

For more information concerning our sweep accounting program, contact a member of our Electronic Banking department at (478) 552-5116 or through email at cbwc@cbwc.com

Tax Debits

CBWC provides three easy ways to make your TT&L payments.

Using CBWC cash management program, initiate a or schedule a recurring tax payment which settles as an ACH debit in the account of your choice.
TT&L Credit: bring a check, your Tax ID#, Tax Type, and Tax Period to the bank and customer service will wire your funds to the IRS.
TT&L Debit: Customer calls the IRS's tele-automation number to initiate payment. Then the IRS automatically debits your account at CBWC via ACH

For more information concerning our cash management program, contact a member of our Electronic Banking department at (478) 552-5116 or through email at cbwc@cbwc.com