Located in Swainsboro, Ga., Spivey State Bank offers a broad range of banking services, including personal and business checking accounts. Its Internet banking services include a wide range of personal and business banking transactions. Spivey State Bank s financial calculators assist in financial planning activities, such as calculating mortgage payment, loan costing and retirement savings. Its 24-hour ATMs allow deposits, withdrawals, transfers, and inquiries on checking and savings accounts. Spivey State Bank also provides loans, certificates of deposit, and regular savings and Christmas club savings accounts. The bank provides 24-hour access to the accounts through its phone banking service.