FAQ

If you have a checking account and ordered checks or received a starter set of checks, look at the bottom line on your checks.  The numbers following the bank’s routing number (061120547) is your account number, typically 7 digits in length.  You may also login to online banking, click to open your desired account and scroll to the “Details” section to view the account number.  Your account opening documentation will also contain your account number.

A routing number is specific for each financial institution.  It is a 9-digit code used for identifying financial institutions.  It is the first nine-digit number located in the bottom left corner of your checks.

061120547

Please call us at 770-536-1100 as soon as you see anything you don’t recognize on your account.  We may be able to give you additional information to help you identify the transaction.  If we determine the transaction is fraudulent, we can help you with the dispute process.

Customers must come in to a Peach State Bank branch to send a wire.

When you deposit a check, some or all of the check amount may be held while the check is being validated and the funds are being collected.  Consult your local teller or call us at 770-536-1100 to find out when your funds will be available. 

You can avoid check holds by receiving the funds electronically such as through direct deposit or a wire.

Electronic Deposit also known as Direct Deposit is set up by contacting the company making the deposit into your account (such as your employer).  You’ll need to provide them your Peach State Bank account and routing number.  You will have to let them know if you have a checking or savings account.  

The quickest way to update your mailing address is by logging in to online banking and using the Conversations feature to send us the request.  You may also update your information by calling us at 770-536-1100 or visiting your local branch.

If you already have accounts with Peach State Bank, just give us a call or email to open a new account.  If you are new to Peach State Bank, please visit a branch to open an account.

Please have the following available when opening a new account for each person who will be owners of the account:  

We don’t want to see you leave and would love to speak with you before you do to see if there is anything we can do to better assist you.  The best to way close your account is to call us at 770-536-1100.

Owners cannot be removed from personal accounts.  You will close the current account and open a new account.  If a business needs to change signers on a business account, please contact us at 770-536-1100.

Personal checking account statements are typically produced and mailed around the 22nd of each month.  Business account statements are mailed at the end of the month.  Most savings account statements are mailed at each quarter end.  The fastest and safest way to receive your account statement is to sign up for eStatements to avoid the risk of mail fraud.

Transaction limits are in place to help protect the bank and customers from fraud.  If you need to conduct legitimate transactions above the limits, please call us in advance of your transaction at 770-536-1100.

Consult your CD documentation for complete details.  Typically, CDs have a maturity date and the customer has a 10-day grace period to close the CD.  After that, the CD will automatically roll over into another like term unless your agreement states otherwise.

Safe Deposit Boxes are available for rent to individuals who have deposit accounts at Peach State Bank.  An annual fee is charged for this service.

2005

Gainesville and Braselton, Georgia.

Log in to online banking and under “Card Management” toggle your card to “Locked.”

Call 866-546-8273 to deactivate your card after hours.

Call 770-536-1100 to speak to a Bank Representative during business hours.

Fraud continues to be on the rise particularly with International transactions.  For your protection, Peach State Bank has blocked all International debit card transactions.  If you need to make an International debit card purchase, please call us prior to your purchase at 770-536-1100.  We will need to know the country of origin for the transaction and the amount of the purchase.

Some merchants place a hold on funds for convenience purchases.  This amount may range from $50 to $150.  The hold should show as “pending” and will drop off your account and not actually post as a real transaction.  The actual amount of your purchase should post to the account instead of the held amount.  The best way to avoid this hold is to pay the attendant before pumping your gas.

The Bank does not have record of your debit card PIN.  You can continue to use your debit card as “credit” for purchases that won’t require a PIN.  To get a new PIN for your card, you can visit your local branch with your debit card or call Card Holder Services at 800-290-7893.

Click here to sign up for online banking:  https://my.peachstate.bank/enroll or select “Apply Now” at the login screen.

Visit your App Store and search “My Peach.”  If you have already established online banking access you will use the same credentials.  

Contact us to determine your username or reset your password.

You may also reset your password by selecting “Forgot Password?” on the login screen.

While account information is not stored on your device, there are a few steps you can take for protection.  Contact us so that we can “delete” the lost or stolen device from your profile.

Zelle® is not integrated within Peach State Bank’s online banking system but you are able to download the Zelle® App and attach your Peach State Bank account or debit card to it.

You can set up “Pay a Person” within our Bill Payment system.  There are 3 options for how to send the funds.  You can enter the receiver’s routing number and account number, the email address or cell phone number of the receiver (the receiver will then take action to provide the needed information to receive the funds) or the mailing address of the receiver (payment will be sent via check through the mail). 

Login to your Peach State Bank account and select “Bill Pay” or “Pay” to access our bill payment system.  From the browser version, select “Manage Payments” to see the full Bill Pay service.

Yes!  You will be able to view processed and pending transactions.

Yes!  The online banking and mobile banking systems are very similar and each provide information updated throughout the day.  You will notice some different features between the systems such as the ability to make a mobile deposit using mobile banking.

Download the MyPeach app and request our Deposit Services.  Once approved, you’ll be able to submit a check for deposit by taking a picture of the front and back.  Please note that checks deposited through mobile deposit are not immediately available, they go through a review process.

Checks must be made payable to you.  You’ll sign your name on the back of the check and clearly print under your signature:  Peach State Bank Mobile Deposit.  This is called a restrictive endorsement and is required for mobile deposits.

Mobile Deposits go through a review process.  You will not see the funds in your account until the review is completed.  In most cases this is the next business day.  However, it could be later if there is a hold on the deposit, the deposit was made after cutoff or if there is a bank holiday after the deposit was made.

Give us a call at 770-536-1100 or visit a branch to speak to a lender about your lending needs.

Call us at 770-536-1100 for loan inquiries including payoff amounts.

Peach State Bank, PO Box 290, Gainesville, GA 30503

You should be able to see all personal accounts where you are an owner.  If you don’t, please contact us at 770-536-1100.  Typcially, business accounts require a login that is different from your personal accounts.

Customers should always use extreme caution when conducting financial transactions.  Lately there has been an increase in check fraud.  We advise customers to use electronic forms of payment such as automatic debits or debit card payments.  Avoid mailing checks whenever possible.  Another fraud concern is account takeover.  You should never share your username, passwords or account numbers with anyone.

Peach State Bank employees will never call you and ask for confidential information.  Customers may receive a call from our staff from time to time concerning account activity or service requests but will never ask for sensitive information or pressure any action.  If you receive a call that doesn’t feel right, hang up the phone and call us back on a published phone number or call a specific Peach State Bank employee known to you.

The best form of fraud protection is to check the activity on your account daily.  The sooner you know of any issues, the sooner you can report them to us.