Checking Accounts

Flowers National Bank offers a free regular checking account with no per-check or monthly maintenance charges and no minimum balance requirement.   We also offer a no annual fee Flowers National Bank MasterCard® debit card. 

Savings Accounts

Flowers National Bank offers a full line of interest-bearing savings accounts to serve the full spectrum of banking needs for customers at every deposit level. All savings accounts earn competitive interest rates. Please call one of our branches for current rates and Annual Percentage Yields. 

Money Market Accounts

For individuals or businesses that want to combine money market interest rates with the protection of FDIC insurance, this is the ideal account.  Please call one of our branches for current rates and Annual Percentage Yields. 

Certificates of Deposit

Certificates of Deposit are available for various rates, amounts and terms. We offer maturity terms up to five years with daily CD specials. These accounts earn competitive interest rates and are FDIC-insured.   Please call one of our branches for current rates and Annual Percentage Yields.  

Super Now Accounts

An interest bearing unlimited transaction account for personal and non-profit businesses. Monthly service fees and minimum balance requirements apply, please call one of our branches for current rates, annual percentage yields, and account requirements.

Individual Retirement Accounts

Traditional IRAs continue to offer the benefit of tax-deductible contributions (for eligible individuals) and tax-deferred earnings. Interest accumulated on a traditional IRA is not taxed until withdrawal.

Reg GG – Prohibition of Funding of Unlawful Internet Gambling
Statement to Commercial Depositors
The UIGEA, signed into law in 2006, prohibits any person engaged in the business of betting or wagering (as defined in the Act) from knowingly accepting payments in connection with the participation of another person in unlawful internet gambling. The Dept of Treasury and the Federal Reserve Board have issued a joint final rule, effective June 1, 2010, of Regulation GG, to implement this Act.  As defined in Regulation GG, unlawful Internet gambling means to “place, receive or otherwise knowingly transmit a bet or wager by any means which involves the use, at least in part, of the internet where such bet or wager is unlawful under any applicable Federal or State law in the State or Tribal lands in which the bet or wager is initiated, received or otherwise made”.  As a customer of Flowers National Bank, these restricted transactions are prohibited from being processed through your account or banking relationship with us. If you do engage in an Internet gambling business and open a new account with us, we will ask that you provide evidence of your legal capacity to do so.  Please see our Compliance Officer if you would like additional information on UIGEA or Regulation GG.


Auto and Personal Loans

Let Flowers Bank help you finance your next auto purchase or find a loan to suit your needs.  We offer competitive rates, convenient repayment schedules and variable terms.  

First Mortgage Residential Loans

Flowers Bank offers a variety of mortgages to help you realize your dream of owning a home, including Fixed Rate Mortgages, Variable Rate Mortgages and Construction Mortgages.  To learn more about how we can meet your mortgage needs, please call one of our branches and ask to speak to a mortgage specialist.

Home Equity Loans/Lines of Credit

A home equity loan or line of credit is a smart way to borrow: for home improvements; debt consolidations; or for any other expenses or special purposes. The Flowers National Bank offers a variety of mortgage options that can be tailored to meet your specific needs. A home equity line of credit provides flexibility of repayment terms and a credit limit with the advantage of only borrowing for what you need.

Personal Lines of Credit and Overdraft Protection Lines

Personal lines of credit can provide the assurance of knowing that you have credit available when you need it. Our personal lines of credit are designed to provide you with an established credit limit that features the flexibility to access money when you need it with repayment terms and interest rate pricing that makes this an affordable financing alternative to consider. Overdraft protection lines feature an established credit limit that will automatically advance to your checking account should your checking account balance become negative as a convenience to you and a protection against costly overdraft fees.

Business Operating, Equipment and Real Estate Loans

Flowers Bank cares about the communities we serve, and we are committed to  the future growth and success of your business.  From equipment to expansion to corporate acquisitions, Flowers Bank can provide the personal service and support for all your business needs. We provide tailored banking services to meet our customer’s individual challenges. 

Agricultural Operating, Equipment, Livestock and Real Estate Loans

Over the years, Flowers Bank has been committed to supporting our agricultural community.  We care about our customers’ crops, livestock and equipment.  We care about your future.  Flowers National Bank understands the importance of agriculture to our communities and we are committed to providing you with complete agricultural business solutions.  Flowers Bank offers you more than just loans, deposits and financial services - we provide you with expertise on agricultural banking. By combining our financial strengths with our seasoned professionals, we can help achieve the growth and success your farming operation deserves.

Credit Card Services

Personal Credit Cards

Flowers National Bank offers both a Platinum and Gold Visa® credit card. Both cards offer some of the lowest rates in the industry with a 1% cash reward on all purchases. Learn more>>

Online Banking Services

Flowers Bank Online. An online banking service with bill pay from Flowers Bank. It’s a quick, easy and secure way to do almost all your banking. Now you can have direct access to your bank accounts from your home or office 24 hours a day, 7 days a week. Learn more>>


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Please contact a Bank Representative for further information
about all applicable account fees and terms.

Member FDIC Equal Housing