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Switching Banks Without Worry
Resources Switching Banks Without Worry

Switching Banks is Easy

If you are dissatisfied with increased fees, poor customer service, lack of product options, or inconvenient hours and locations due to branch closings, you may be considering other options when it comes to banking.

Though changing financial institutions can seem like a challenging task, moving your direct deposits, changing your automatic debit payments and setting up new bill pay accounts is easy with Athens Federal!

Really. We do the work for you.

Our well-trained and friendly staff will make your transition easy by personally walking you through each step of the process.
We’ll work with you to switch or start your direct deposit transactions, including direct deposits from payroll or any government agency, and any automatic debit payments.

Simply provide us with a copy of your last bank statement, and we’ll identify all the transactions that may be automatically debited. We’ll work with you to complete an Automatic Payment Request form for each debit.

That’s it. We told you it’d be easy.


“I am an Athens Federal customer because my banker treats me like I am his only customer. I enjoy doing business with a local bank that makes me a priority ... it’s refreshing to be addressed by name when you walk in the door and to work with people who genuinely care about you,” commented Rebecca Ellis, Etowah branch customer.


How to Choose a New Bank

Sometimes things don’t work out. You may need to change banks when you discover you’re not doing business with the right institution for you.

Once you’ve decided to change banks, you’ll need to find a replacement. Which is the best? It really depends on you and your needs. Ask yourself the following questions when choosing a new bank:

Do you have a busy schedule?
Consider a bank with free online banking services, convenient ATM locations and mobile apps to manage your bank account anywhere, anytime.
Hate licking envelopes and paying bills?
Choose a bank that offers free online bill pay.
Feel more comfortable face-to-face?
Search out a hometown bank with convenient locations and friendly, local staff who know you and understand your banking needs.
Run a small business?
Find a bank that will be a strategic partner by offering a variety of commercial checking accounts and small business loans.
Want a one-stop-shop?
Look for a financial institution that has everything you need: auto loans, mortgages, deposits, CDs, investments, etc.
Want a keep your money local?
Work with a community bank that is committed to civic loyalty and dedicates time and resources to area schools, community service projects and local charitable and non-profit organizations.

The Benefits of Direct Deposit

All of us switch brands. We’ve switched toothpastes, shampoos - even our allegiance to coffee and soft drinks. But when it comes to banks, making the decision to transition to a new financial institution can seem overwhelming. However, making the switch can have many advantages you may have never considered, including an opportunity to set up direct deposit of payroll or social security.

Maybe you’ve accidentally misplaced a paycheck or your government benefit check was lost (or stolen) in the mail. Well, there is a solution to the problem of lost checks ... direct deposit.

What are the benefits of direct deposit?

  • There are no paper checks to be lost or stolen.
  • Payments reach your account the day the check is issued - even if you are out of town, sick or otherwise unable to get to your bank.
  • Direct deposit can help you avoid bouncing checks because the deposit is direct and always on time.
  • It can save time and money by helping you avoid trips to the bank.
  • The federal government and many employers require direct deposit and will deposit your check a day early if the regular payday falls on a holiday.

Customers can easily make the switch and open a new Athens Federal checking account with direct deposit of payroll or social security attached.


“I am an Athens Federal customer ... my family and I are proud to be part of a growing financial institution that still understands the importance of hometown banking values,” commented Jim Packett, owner, C&E Heating & Air.


The Community Bank Difference

If you’re considering switching financial institutions because there are too many changes or unfamiliar faces at your bank, you are not receiving the level of customer service you deserve, or the bank’s hours and locations have become inconvenient due to branch closings, we invite you to make the switch to Athens Federal Community Bank.

So, with all the options available, why should you choose a community bank?

Local decision making - knowing decisions are made locally can make a big difference on products like mortgage and consumer loans, but also ensures your bank focuses on service and is accountable to its customers.

Community banks lend locally where their depositors live and work, keeping local communities vibrant and growing. By choosing a community bank, you’ll be putting money where it belongs - back into the community you call home.

The success of community banks depends on the health of the local economy so they understand their local marketplace and stick with their customers through economic highs and lows.

Community bankers are typically deeply involved and committed to making their local communities a better place to live and work. In fact, community banks like Athens Federal donate service hours and funding to local causes and charitable organizations every year.


“I am an Athens Federal customer because they have been a steady partner through economic highs and lows and have always treated me like a million-dollar customer. I am proud to be associated with a trusted community bank,” commented Keith Wilson, owner, Wilson Construction.


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Making the switch has never been easier. Click here to download our easy-to-use Switch Kit or call one of our knowledgeable customer service representatives today.