Private Banking

Our Mission - A Traditional Bank meeting the needs of our Customers and Communities with Innovative Products Delivered with Exceptional Service.

Welcome to First Effingham Bank’s Private Banking Department*. The Private Bank is an area of the Bank designed to tailor banking services and products to the professional and executive markets. First Chatham Bank’s Private Bank specializes in meeting your personal and business banking needs through our unique "bank within a bank" concept. We offer highly competitive rates and terms on loans and deposit accounts, as well as a low documentation home purchase or refinance program. We also offer a personal, interest-bearing checking account with no monthly maintenance fees, a free safe deposit box and distinctive First Effingham Bank checks at no charge. Our objective is to think creatively in structuring individual terms to meet your specific needs- i.e., using our imagination and skill for you, just as you used yours in developing your business. 

We do the “Usual” loans and the “Not so usual” loans:
Lot Purchases
2nd Home Purchases
Construction Loans
Construction/Permanent Loans
Home Improvement Loans
Mortgages and Alternative Mortgage Financing
Purchase or Refinance Commercial Real Estate
Bridge and Swing Loans
Home Equity Lines of Credit
Stock Secured Loans
Automobile Loans
Renovation Construction Loans
Practice Acquisitions
Finance Leashold Improvements


Loan amounts up to 90%, and sometimes 100%*

However, there is more to the Private Bank than our great rates and credit terms. The responsive service and personalized attention that is delivered by our knowledgeable staff really sets us apart. The professionals working within the Private Bank have over 20 years of local banking experience, and we dedicate that experience and ability to meeting your needs.

To find out more about First Effingham Bank’s Private Bank, please call or e-mail:

Carolyn Sanders
csanders@firsteffingham.com
912-754-2050
912-826-5800


*Certain qualifications are required