Bank of Monticello is a locally owned and operated bank, located in Monticello, Ga. It provides various deposit products, including personal and commercial checking accounts, interest bearing checking accounts, savings accounts, certificates of deposit, and individual retirement accounts. It also provides various loan products, including installment and commercial loans, mortgages and various lines of credit. The bank s services also include after hour depository, ATM facilities, bank by mail, cashier's checks, Christmas club accounts, direct deposit and fax services. Bank of Monticello also provides medallion signature guarantees, money orders, notary services, photocopies, safe deposit boxes and senior citizen checking accounts. Its services also include student and flat fee checking accounts, travelers checks, United States savings bonds, wire transfers, 24-hour banking, and a customer helpline.