In today’s fast-paced world you need quick and convenient access to your money. That’s why we provide a variety of choices for you to deposit money, pay bills and keep your household running each month.

DIAL (Direct Inquiry Advantage Line)

The DIAL system allows a customer access to their account and other banking services 24 hours a day, seven days a week, from any touch-tone phone anywhere. DIAL keeps customers in touch with their savings and checking accounts, loans, IRA accounts, and CODs. You can transfer money, make loan payments, check account balances, and obtain personal check-clearing and deposit information. All this information and these services are available at no charge through the DIAL system. You can use DIAL bill paying service to automate your payments as well.

Features/Benefits:

• Available 24 hours a day, seven days a week
• Inquire into checking, savings, IRA's, CODs, and loans
• Transfer funds between accounts
• Pay loan payments
• Pay bills
• Obtain information on checks that have cleared

Internet Banking

There's no software to install, upgrade, maintain, or download. You can access your Habersham Bank accounts from any of your home PCs or from personal computers that are linked to the Internet. Click here for more information.

With a MasterMoney™ Debit Card from Habersham Bank, a customer can make purchases at any merchant location around the world that accepts MasterCard. You just present your Habersham Bank MasterMoney™ Debit Card, sign the receipt, and be on your way. Because MasterMoney™ Debit Cards are accepted just like credit cards, you don't need to use a personal identification number to make a purchase. Funds are drawn from your checking account so there is no interest or finance charges. Get quick cash at ATM's around the globe. Customers can use Habersham Bank MasterMoney™ Debit Card to obtain cash at H24 Bankers or STAR ATM's, as well as the MasterCard/Cirrus ATM Network locations throughout the country and the world.

Features:

• Make deposits (at Habersham Bank locations only)
• Withdraw cash
• Transfer money between accounts
• Check balances
• Purchase goods and services
• Funds are drawn from a checking account
• Convenience 24 hours a day
• Worldwide access to funds
• ATM's available 24 hours a day 365 days a year
• Withdraw cash from a checking and savings account and get the balance at any STAR Network ATM throughout Georgia and Worldwide
• Operates with the use of a personal identification code at ATM's.

With an ATM card and a PIN, you can make deposits or withdrawals from ATM's. They can be used at ATM's with the STAR logo and at point of sale terminals with the STAR logo. ATM's are the most popular type of electronic delivery system used by bank customers today. They allow customers to conduct routine transactions, such as cash withdrawals, and balance inquiries. Available 24 hours a day. There is no ATM fee if you have a checking account with Habersham Bank. You may use your ATM card at other bank ATM’s worldwide, and your ATM fee will be reimbursed when your ATM receipt is presented to a Bank employee within 45 days of the transaction.

• Free checking
• Interest earnings
• Worldwide ATM access