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A Step-by-Step Guide to Finding the Best Local Banks and Bank Account in Columbus, GA

How to Search and Find The Best local banks and bank account selection information in Columbus, GA

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When it comes to managing your finances, finding the right local bank and selecting an appropriate bank account is crucial. Columbus, Georgia, offers a variety of banking options, each with its own unique features, services, and benefits. In this blog post, we will provide you with a comprehensive guide on how to search for the best local banks in Columbus and gather information to make an informed decision when selecting a bank account.

Seek Recommendations and Research:
To begin your search for the best local banks in Columbus, follow these steps:

a) Seek Recommendations: Reach out to friends, family, and colleagues in Columbus for recommendations based on their banking experiences. Their insights can provide valuable guidance and help narrow down your options. a) Seek Recommendations: Reach out to friends, family, and colleagues in Columbus for recommendations based on their banking experiences. Their insights can provide valuable guidance and help narrow down your options.

b) Online Search: Utilize search engines and directories to identify local banks in Columbus. Explore their websites to gather information about their services, branch locations, and customer reviews.

c) Read Customer Reviews: Online platforms such as Google, Yelp, and social media channels are great sources to read customer reviews. Pay attention to feedback regarding customer service, fees, convenience, and overall satisfaction.

Determine Your Banking Needs:
Understanding your specific banking needs is essential for finding a bank and account that align with your requirements. Consider the following factors:

a) Account Types: Determine the type of account you need, such as a checking account for everyday transactions, a savings account for long-term goals, or specialized accounts like business accounts or student accounts.

b) Fees and Charges: Evaluate the fee structure of different banks. Look for information on monthly maintenance fees, ATM fees, overdraft charges, and any other potential costs associated with the accounts.

c) Online and Mobile Banking: Consider the importance of online and mobile banking services. Look for banks that offer user-friendly mobile apps, online bill pay, mobile check deposit, and other convenient features that align with your digital banking preferences.

d) Branch and ATM Locations: Assess the proximity and availability of branches and ATMs. Having convenient access to physical locations can be beneficial for cash deposits, in-person customer service, and issue resolution.

Compare Account Features:
Once you have narrowed down your options, compare the features of the bank accounts offered by different banks. Consider the following aspects:

a) Minimum Balance Requirements: Determine if the bank has a minimum balance requirement for their accounts and assess whether it is feasible for you to maintain that balance.

b) Interest Rates: If you are interested in a savings account or a money market account, compare the interest rates offered by different banks. A higher interest rate can help your savings grow faster.

c) Additional Services: Look beyond the basic account features. Some banks may offer additional perks like free checks, rewards programs, overdraft protection, or financial planning services.

Visit the Bank and Ask Questions:
Before finalizing your decision, visit the banks you are considering to gather more information. This step allows you to ask specific questions and assess the overall banking experience. Consider the following during your visit:

a) Customer Service: Observe the level of customer service you receive during your visit. Friendly, knowledgeable staff who are willing to address your concerns can enhance your banking experience.

b) Accessibility: Inquire about the bank's hours of operation, customer support availability, and their responsiveness to queries or issues.

c) Account Opening Process: Ask about the process and documents required to open an account. Understand any eligibility criteria and the time it takes to get the account up and running.

Finding the best local bank and selecting the right bank account in Columbus, Georgia, requires thorough research and careful consideration. By following the steps outlined in this blog post, you can identify local banks that align with your needs, compare their offerings, and make an informed decision. Remember to prioritize factors such as fees, services, accessibility, and customer reviews to ensure a positive banking experience in Columbus.

BB&T Financial, FSB

General Information | Financial Summary | Locations & Branches

BB&T Financial, FSB
4 Bradley Park Court, Suite 1c
Columbus, GA 31904

4 Bradley Park Court, Suite 1c, Columbus, GA 31904

Official website: N/A

Established in 1998-07-01, BB&T Financial, FSB is a savings banks, state charter, supervised by the FDIC, serving customers in Columbus Georgia (GA) and many other cities.

The bank is currently closed (since 2013-01-01)

BB&T Financial, FSB Online Banking

Location: Columbus, Georgia GA (County Muscogee)

FDIC Certificate #: 34780

FDIC Geographic Region: Atlanta - Alabama, California, Florida, Georgia, North Carolina, South Carolina, Virginia, West Virginia

Chartering Agency: OCC - State and Federal Comptroller of the Currency

OCC Charter Number: 718095

OTS Docket Number (assigned by federal housing finance board - FHFB): 18095

Core Based Statistical Area (CBSA): Columbus, GA-AL (CBSA#17980)

Consolidated Metropolitan Statistical Area (CMSA): N/A

Combined Statistical Area (CSA): Columbus-Auburn-Opelika, GA-AL - CSA#194

Metropolitan Statistical Area (MSA): Columbus, GA-AL - MSA#1800

Office of the Comptroller: Southeast - Alabama, Arkansas, Florida, Georgia, Louisiana, Mississippi, North Carolina, Oklahoma, South Carolina, Tennessee, Texas, Virginia, West Virginia

Office of Thrift Supervision (OTS) Region: Southeast

BB&T Financial, FSB Online Banking

BB&T Financial, FSB is

  • being operated in government conservatorship
  • a member of Deposit Insurance Fund
  • an FDIC Insured member
  • a member of Insured Savings Institution
  • Credit Card Institutions member

Insurance Fund Membership: Deposit Insurance Fund (DIF)

Bank Holding Company: BB&T CORP

Bank Holding Company Type: Multibank Holding Companies

Number of Domestic Offices: 1

Number of Foreign Offices: 0

Regulator: Office of the Comptroller of the Currency (OCC)

Trust Powers: N/A

Data by FIDC (The Federal Deposit Insurance Corporation), last update 2023-11-24

Daily Best Banks' CD Rates

1 Yr
Bask Bank: 5.30% APY, $1,000 minimum deposit
1 Yr
Popular Direct: 5.30% APY, $10,000 minimum deposit
1 Yr
First Internet Bank of Indiana: 5.26% APY, $1,000 minimum deposit
1 Yr
Limelight Bank: 5.25% APY, $1,000 minimum deposit
1 Yr
Forbright Bank: 5.25% APY, $1,000 minimum deposit
1 Yr
CIBC Bank USA: 5.21% APY, $1,000 minimum deposit
1 Yr
America First Credit Union: 5.15% APY, $500 minimum deposit
1 Yr
Marcus by Goldman Sachs: 5.15% APY, $500 minimum deposit
1 Yr
TAB Bank: 5.15% APY, $1,000 minimum deposit

*CD Rates are subject to change without notice and may vary from bank to bank and branch to branch. Please contact your local bank for updated bank CD rates.