US Bank Directory
Banks in Waycross, GA
7 FDIC-insured banks operate 8 offices in Waycross, Georgia, and 3 credit unions have 3 offices.
Source: FDIC BankFind, data as of September 5, 2026; NCUA call report as of March 31, 2026; hours checked October 10, 2026.
Bank branch map: Waycross
Banks sit at the coordinates in their FDIC record; credit union offices at their NCUA address, located with the U.S. Census Bureau Geocoder. Point at a marker for today's hours, tap it for the address, directions and the bank's site.
Short answer: 10 banks and credit unions operate 11 locations in Waycross, according to the FDIC and the NCUA. 11 of them have coordinates on record and are on the map. 4 publish opening hours.
Branches: FDIC, NCUA. Streets: loading.
11 locations on the map
Tap a cluster to zoom in
Positions are the regulators' own coordinates, or the Census Geocoder's point for the address, and can sit a few hundred feet from the door. Streets, buildings and parks come from OpenStreetMap through OpenFreeMap, with every street named as you zoom in; if that map cannot load, a simpler map drawn from the Census Bureau's TIGER/Line files takes its place. ATMs will follow with the Overture Maps import.
All banks and credit unions in Waycross
Sorted by number of local branches. Each branch shows where its hours and phone number come from.
Short answer: Ameris Bank has the most locations in Waycross, with 2. The other 6 each have a single office in the city. Open any bank to see each address, today's hours where the bank publishes them and the phone number.
Ameris Bank Bank · 2
Ameris Bank has 2 branches in Waycross, 105 across Georgia and 177 nationwide. FDIC records list its main office in Atlanta, GA and show it operating since 1971. With $28.42 billion in total assets on June 30, 2026, it ranks No. 76 of 4,232 U.S. banks by total assets. In FDIC branch records, its longest-running Waycross location is the Memorial Drive Branch at 2110 Memorial Dr, dating to 1986; the newest, at 505 Haines Ave, to 2009. It does not publish hours in the sources this page uses; check its site before you go.
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Memorial Drive Branch2110 Memorial Dr, 31501
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Waycross Branch505 Haines Ave, 31501
First Southern Bank Bank · 1
First Southern Bank has 1 branch in Waycross, 4 across Georgia and 7 nationwide. FDIC records list its main office in Waycross, GA and show it operating since 1907. With $347.2 million in total assets on June 30, 2026, it ranks No. 2,276 of 4,232 U.S. banks by total assets. Its main office at 930 Memorial Dr dates to 1907 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.
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Main Office main office930 Memorial Dr, 31501
Georgia's Own Credit Union Credit union · 1
Georgia's Own Credit Union has 1 office in Waycross, 30 across Georgia. It is based in Atlanta, GA and $4.33 billion in assets on March 31, 2026, according to its NCUA call report. Its published hours do not list Saturday.
Who can join: see the credit union's site.
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Se Region - Waycross Branch2098 Brunswick Hwy, 31503
All hours
Mon to Tue 9 am to 5 pm; Wed 9 am to 1 pm; Thu to Fri 9 am to 5 pm; Sat to Sun not published
Hours: NCUA, March 31, 2026
PrimeSouth Bank Bank · 1
PrimeSouth Bank has 1 branch in Waycross, 7 across Georgia and 8 nationwide. FDIC records list its main office in Blackshear, GA and show it operating since 1891. With $1.60 billion in total assets on June 30, 2026, it ranks No. 703 of 4,232 U.S. banks by total assets. The Psb Waycross Branch at 530 Memorial Dr dates to 1997 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.
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Psb Waycross Branch530 Memorial Dr, 31501
Renasant Bank · 1
Renasant has 1 branch in Waycross, 73 across Georgia and 266 nationwide. FDIC records list its main office in Tupelo, MS and show it operating since 1904. With $26.99 billion in total assets on June 30, 2026, it ranks No. 80 of 4,232 U.S. banks by total assets. The Waycross Branch at 810 Plant Ave dates to 1933 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.
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Waycross Branch810 Plant Ave, 31501
Southeastern Credit Union Credit union · 1
Southeastern Credit Union has 1 office in Waycross, 9 across Georgia. It is based in Valdosta, GA and $436.7 million in assets on March 31, 2026, according to its NCUA call report. Its published hours do not list Saturday.
Who can join: see the credit union's site.
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Waycross Branch1701 Boulevard Sq Ste A, 31501
All hours
Mon to Thu 9 am to 5 pm; Fri 9 am to 6 pm; Sat to Sun not published
Hours: NCUA, March 31, 2026
Truist Bank · 1
Truist has 1 branch in Waycross, 203 across Georgia and 1,931 nationwide. FDIC records list its main office in Charlotte, NC and show it operating since 1872. With $548.35 billion in total assets on June 30, 2026, it ranks No. 9 of 4,232 U.S. banks by total assets. The Satilla Square Branch at 1807 Knight Ave dates to 1999 in FDIC branch records. Its published hours do not list Saturday.
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Satilla Square Branch1807 Knight Ave, 31501
All hours
Mon to Thu 9 am to 4 pm; Fri 9 am to 6 pm; Sat to Sun closed
Hours: Truist branch locator (All The Places), checked Oct 10, 2026
United Community Bank · 1
United Community has 1 branch in Waycross, 64 across Georgia and 190 nationwide. FDIC records list its main office in Greenville, SC and show it operating since 1950. With $28.99 billion in total assets on June 30, 2026, it ranks No. 73 of 4,232 U.S. banks by total assets. The Waycross Branch at 1010 Plant Ave dates to 1988 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.
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Waycross Branch1010 Plant Ave, 31501
Ware County School Employees Credit Union Credit union · 1
Ware County School Employees Credit Union has 1 office in Waycross, 1 across Georgia. It is based in Waycross, GA and $6.4 million in assets on March 31, 2026, according to its NCUA call report. Its published hours do not list Saturday.
Who can join: see the credit union's site.
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Main Office main office1301 Bailey St, 31501
All hours
Mon to Fri 8:30 am to 4:30 pm; Sat to Sun not published
Hours: NCUA, March 31, 2026
Waycross Bank & Trust Bank · 1
Waycross Bank & Trust has 1 branch in Waycross, 1 across Georgia and 1 nationwide. FDIC records list its main office in Waycross, GA and show it operating since 1988. With $242.2 million in total assets on June 30, 2026, it ranks No. 2,770 of 4,232 U.S. banks by total assets. Its main office at 501 Tebeau St dates to 1988 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.
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Main Office main office501 Tebeau St, 31501
Join a credit union in Waycross
3 credit unions have 3 offices here: Georgia's Own Credit Union, Southeastern Credit Union and Ware County School Employees Credit Union. Each office is listed above with the phone and the hours it filed with the NCUA (call report as of March 31, 2026). Who can join each one is on its own site; the credit unions in Waycross page has every office in the state's directory.
Banking in Waycross: the local picture
Short answer: 7 banks run 8 branches in Waycross according to the FDIC. A population estimate for this place is not available from the Census Bureau, so branches per resident are not shown.
Of the 7 banks, 2 have their main office in Waycross, 2 elsewhere in Georgia and 3 out of state, according to the FDIC.
The bank with the longest record here is Truist, operating since 1872 according to the FDIC. In FDIC branch records, the longest-running branch is First Southern Bank's office at 930 Memorial Dr, dating to 1907; the newest is Ameris Bank's at 505 Haines Ave, from 2009.
3 credit unions have 3 offices in Waycross, according to the NCUA. Who can join each one is on the credit unions page.
Of the 4 locations with published hours. None open on Saturday. 7 locations have no published hours in these sources.
Banks by ZIP code in Waycross
Offices grouped by the ZIP code in their FDIC or NCUA record.
Short answer: ZIP 31501 has the most bank and credit union offices in Waycross (10), followed by 31503 (1). Offices are spread across 2 ZIP codes.
| ZIP code | Offices | Institutions | Most offices |
|---|---|---|---|
| 31501 | 10 | 9 | Ameris Bank, First Southern Bank, PrimeSouth Bank |
| 31503 | 1 | 1 | Georgia's Own Credit Union |
Saturday hours in Waycross
Short answer: None of the 4 Waycross locations with published hours lists Saturday hours. 7 locations do not publish hours in these sources; call ahead.
Credit union hours are the text each credit union filed with the NCUA, call report as of March 31, 2026; a day the filing does not mention is shown as not published, never as closed. Bank branches show hours only where the bank publishes them in a source this page uses; 7 of the 11 locations here have no published hours yet. The source and date sit under each office. Banks and credit unions often close on Federal Reserve holidays; call ahead.
Chase, Bank of America and other national banks
Which big national banks have branches in Waycross, and where the nearest one is if they do not.
Short answer: In Waycross: Truist (1). No branches in Waycross: Chase (nearest in Savannah, 91 mi), Wells Fargo (nearest in Douglas, 36 mi), Bank of America (nearest in Brunswick, 51 mi), PNC Bank (nearest in Montezuma, 124 mi), U.S. Bank (nearest in Sandy Springs, 220 mi), Fifth Third Bank (nearest in Pooler, 91 mi), Huntington (nearest in Brunswick, 51 mi), Regions Bank (nearest in Valdosta, 61 mi), TD Bank, BMO.
| Bank | In Waycross | Nearest branch if none here |
|---|---|---|
| Truist | 1 branch | here |
| Chase | None | Savannah, 91 miles away |
| Wells Fargo | None | Douglas, 36 miles away |
| Bank of America | None | Brunswick, 51 miles away |
| PNC Bank | None | Montezuma, 124 miles away |
| U.S. Bank | None | Sandy Springs, 220 miles away |
| Fifth Third Bank | None | Pooler, 91 miles away |
| Huntington | None | Brunswick, 51 miles away |
| Regions Bank | None | Valdosta, 61 miles away |
| TD Bank | None | none in Georgia |
| BMO | None | none in Georgia |
Branch counts from FDIC BankFind as of September 5, 2026. Distances are straight-line miles from the center of Waycross to the nearest branch in Georgia.
What your savings could earn
National benchmarks and the best published offers, from the Banrox Bank Rates tracker. Enter your own balance and rate to compare.
Short answer: At the national average savings rate of 0.38%, $10,000 kept in savings for a year earns about $38. The best published savings rate in the tracker, 3.75% at CIT Bank, earns about $375. The national average 12-month CD pays 1.71%.
| Offer | Bank | APY | Term | Minimum |
|---|---|---|---|---|
| Savings | CIT Bank | 3.75% | none | $5,000 |
| Savings | Barclays | 3.50% | none | $0 |
| Savings | Marcus by Goldman Sachs | 3.40% | none | $0 |
| CD | Synchrony Bank | 4.35% | 60 Months | $0 |
| CD | Marcus by Goldman Sachs | 4.35% | 24 Months | $500 |
| CD | American Express National Bank | 4.25% | 10 Months | $0 |
Rates are the banks' published APYs as tracked on the Banrox Bank Rates page, with the date next to each benchmark; they are not offers from Banrox and can change daily. Interest is before tax. The best offers are mostly online banks and are open to Waycross residents like anyone else.
Banks near Waycross
Nearby cities with at least two banks, by straight-line distance. Counts from FDIC BankFind.
Short answer: The closest towns with more choice are Blackshear (9 miles) and Nahunta (22 miles). Douglas, 36 miles away, has the most banks nearby: 8.
| City | Distance | Banks | Branches |
|---|---|---|---|
| Banks in Blackshear, GA | 9 mi | 3 | 3 |
| Banks in Nahunta, GA | 22 mi | 2 | 2 |
| Banks in Alma, GA | 24 mi | 2 | 3 |
| Banks in Folkston, GA | 29 mi | 2 | 2 |
| Banks in Homerville, GA | 29 mi | 2 | 2 |
| Banks in Pearson, GA | 30 mi | 2 | 2 |
| Banks in Douglas, GA | 36 mi | 8 | 9 |
| Banks in Jesup, GA | 38 mi | 5 | 5 |
Bank branch openings and closings in Waycross
FDIC branch records, between September 5, 2025 and September 5, 2026.
Short answer: FDIC branch records show no bank branch openings in Waycross between September 5, 2025 and September 5, 2026. Closings and relocations are not tracked by the sources this page uses yet.
Banks and credit unions based in Waycross
Short answer: 3 institutions have their main office in Waycross: First Southern Bank, Waycross Bank & Trust and Ware County School Employees Credit Union.
| Institution | Type | Total assets, June 30, 2026 | Offices here |
|---|---|---|---|
| First Southern Bank | Bank | $347.2 million | 1 |
| Waycross Bank & Trust | Bank | $242.2 million | 1 |
| Ware County School Employees Credit Union | Credit union | $6.4 million | 1 |
Banks: FDIC BankFind (community-bank flag and assets). Credit unions: NCUA call report.
Largest banks in Waycross by total assets
Ranked by each bank's total assets on its FDIC balance sheet, which covers the whole bank, not only its Waycross offices.
Short answer: Truist is the largest bank with offices in Waycross, with $548.35 billion in total assets on June 30, 2026, No. 9 among U.S. banks by total assets. United Community is second with $28.99 billion. 2 of the 7 banks are headquartered here. Local deposit shares will follow once the FDIC Summary of Deposits is imported.
| Bank | Total assets | Rank | Offices here | Main office |
|---|---|---|---|---|
| Truist | $548.35 billion | No. 9 | 1 | Charlotte, NC |
| United Community | $28.99 billion | No. 73 | 1 | Greenville, SC |
| Ameris Bank | $28.42 billion | No. 76 | 2 | Atlanta, GA |
| Renasant | $26.99 billion | No. 80 | 1 | Tupelo, MS |
| PrimeSouth Bank | $1.60 billion | No. 703 | 1 | Blackshear, GA |
| First Southern Bank | $347.2 million | No. 2,276 | 1 | Waycross, GA |
| Waycross Bank & Trust | $242.2 million | No. 2,770 | 1 | Waycross, GA |
Total assets and ranks from FDIC BankFind as of June 30, 2026. Rank is among active banks that report total assets to the FDIC.
Banks in Waycross: FAQ
How many banks are in Waycross, GA?
Waycross has 7 banks with 8 branches and 3 credit unions with 3 offices, according to FDIC data as of September 5, 2026 and NCUA data as of March 31, 2026.
Which bank has the most branches in Waycross?
Ameris Bank, with 2. Truist has 1 and United Community has 1.
Is there a Ameris Bank in Waycross, GA?
Yes. FDIC data lists 2 Ameris Bank branches in Waycross as of September 5, 2026. Its branches are listed under Ameris Bank above, with the address and directions for each.
Is there a Truist in Waycross, GA?
Yes. FDIC data lists 1 Truist branch in Waycross as of September 5, 2026. The address and directions are under Truist above.
Is there a United Community in Waycross, GA?
Yes. FDIC data lists 1 United Community branch in Waycross as of September 5, 2026. The address and directions are under United Community above.
Is there a Chase in Waycross, GA?
No. FDIC data lists no Chase branch in Waycross as of September 5, 2026. The nearest is in Savannah, about 91 miles away in a straight line.
Which banks in Waycross are open on Saturday?
None of the 4 locations with published hours lists Saturday hours. 7 locations do not publish hours in our sources; call ahead.
Which banks are headquartered in Waycross?
First Southern Bank, Waycross Bank & Trust and Ware County School Employees Credit Union have their main office in Waycross, according to the FDIC and the NCUA.
What is the oldest bank in Waycross?
Truist has the longest record among banks with a branch here: the FDIC shows it operating since 1872.
Which credit unions can I join in Waycross?
Georgia's Own Credit Union, Southeastern Credit Union and Ware County School Employees Credit Union have offices in Waycross. Check each credit union's membership rules before you apply.
Did any bank branches open or close in Waycross in the past year?
FDIC branch records show no branch openings between September 5, 2025 and September 5, 2026. Closings and relocations are not tracked by the sources this page uses yet.
Where can I find more banks near Waycross?
Nearby cities with more banks include Blackshear, Nahunta, Alma. Blackshear is 9 miles away with 3 banks.
How we build this page
Every figure above comes from one of these sources. Nothing is typed by hand, nothing is estimated.
| Data | Source | License | Updated | Data as of |
|---|---|---|---|---|
| FDIC-insured banks: branches, main offices, total assets, dates established | FDIC BankFind Suite API | Public data (U.S. government) | Monthly import | Sep 5, 2026 |
| Credit union offices, phones and hours as filed with the NCUA, total assets | NCUA call report data | Public data (U.S. government) | Quarterly import | Mar 31, 2026 |
| Map coordinates of 3 credit union offices whose NCUA record has none, from the office address | U.S. Census Bureau Geocoder | Public data (U.S. government) | With each NCUA import | Oct 19, 2026 |
| Bank branch hours, phones and branch pages (1 of 8 branches: Truist) | The banks' own branch locators, collected by All The Places | CC0 (All The Places data); each bank's locator is the primary source | Weekly spider run, monthly refresh here | Oct 10, 2026 |
| Savings and CD rates, national averages | Banrox Bank Rates | Banrox, from the banks' own rate pages and FDIC national rates | Weekly | see each rate |
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