Founded in 1906, Northeast Georgia Bank offers a complete range of commercial, private, cash management, retail and residential mortgage banking services. It provides certificates of deposit, savings accounts, checking accounts, individual retirement accounts and loans. Its online services provide personal e-mail accounts, account statements, and online payment and transfer services. The bank offers traveler s checks, direct deposit services, overdraft protection, and night depository and notary services. Additionally, it offers a variety of loans, such as automobile, personal, lines of credit, home loan and mortgages, home equities and equipment loans. Headquartered in Lavonia, Ga., Northeast Georgia Bank is also located in Royston, Carnesville, Braselton, Elberton and Hartwell, Ga.