We're Better Together!
Especially on the Golf Course for the Annual Chamber of Commerce Tournament. Serving Our Business Community since 1928.
Meet Our Team >>

Our Business Products & Services

Basic Business Checking Account

Ideal for small businesses and sole proprietors, enjoy this low-cost checking option.

Platinum Business Checking Account

Get premium business checking with up to 700 free transactions per month.

Business Plus Checking

Put your money to work for your business and earn interest with this versatile checking account.

Business Savings

Put excess business funds to work with competitive interest that accrues daily.

Business Money Market Account

Maximize earnings on your higher savings balance with competitive, tiered interest.

Business Certificate of Deposit

Meet your business goals with guaranteed earnings at a competitive, fixed rate.

Business Debit Card

Easily make purchases and track business expenses with our free debit card. Always have direct access to a designated account balance — plus the power to make purchases around the globe, around-the-clock.

So equip your business with easy purchasing power today. Multiple cards can be issued with pre-set employee limits as needed.

Business Credit Card

Boost cash flow for your business with one of our Business Platinum Visa® Credit Cards. Each card is accepted almost everywhere and offers a competitive rate.

You can even get additional employee cards at no additional cost. Keep your business spending separate from your personal with our Platinum Visa® Credit Cards.

What Our Raving Fans Say About Us


Business Banking For the Win

Set your business up to win. Move your company’s accounts over today. We successfully helped thousands get through PPP without a scratch. Mega institutional banks can’t say the same thing.


MoneyIQ Financial Education

We provide businesses with the tools to educate their staff about money.  Topics include basic banking tips, cashflow management and identity theft prevention.


Online Banking Done Right

Our online banking tools for personal or business banking makes life easier. Ask your Newton Federal banker about setting up a branch office on your smart phone. 

Home Loan-01

Home Mortgages Made Easy

It’s All About Your Pad. Find a mortgage that fits your family’s needs at LeapFrogMortgage  – our new home lending partner. 

“Newton Federal Bank and more specifically, Reed Beard and Adrien Smith, have been a major asset and mentor over the last 10 years. I’ve had the opportunity to build several businesses while partnering with them. While on this journey, I’ve enjoyed a high level of personalized customer service.”

Erik Adcock

Covington, Georgia

“I’ve been with Newton Federal since 2013. My experience with the bank it’s staff employees customer service has always be top of the best. Everyone is always friendly helpful and takes time to make sure my account my mobile app is doing as I need it to be. Appreciate the team at Newton Federal.”


Billy Carter

Covington, Georgia

Let's Get Started. We're Better Together!

Be The First To Know.

Contact a Bank for more information about our Newton Federal, our commercial and personal account offerings or our loan applications. Thank You!

Serving Our Community since 1928. 

Sign up for the latest news, public notices & community initiatives updates. 

Newton Federal Bank is a division of Affinity Bank. Newton Federal Bank and Affinity Bank are the same entity for the purpose of calculating FDIC insurance limits and deposits. Effective September 15, 2023, the Bank converted from a federal savings association to a national bank, and as a result, the Company became a bank holding company instead of a savings and loan holding company. Newton Federal is not responsible for and has no control over the subject matter, content, information, or graphics of the web sites that have links here. Please contact us with any concerns or comments. © 2023-2024 All Rights Reserved.