Personal Checking

We’ve earned a reputation as the home of...

                                                                                            Totally Free Checking!




In one way of thinking it’s more than free, but our customers are satisfied to call it by it’s properly descriptive name: Totally Free Checking.


First Effingham Bank currently participates in the Transaction Account Guarantee Program. Under this program, through December 31, 2010, all non-interest bearing transaction accounts* are fully guaranteed by the FDIC for the entire amount in the account. Coverage under the Transaction Account Guarantee Program is in addition to and separate from the coverage available under the FDIC's general deposit insurance rules. *Transaction accounts are defined as Checking or NOW accounts with an interest rate of .25 percent or lower.