Newton Federal Bank. Located in Covington. GA. . Offers various account options. Including passbook savings. Checking. Individual retirement and money market accounts. The bank offers a variety of consumer loan products and lines of credit. Such AS home equity. Builder construction. Investor. Personal. Land and auto loan. And mortgages. It provides various online services. Including access of accounts and statements. Payment of bills. And applying for loans. The bank also offers internet and telephone banking to customers. Additional services offered by the bank include safe deposits. Debit cards. Traveler's checks. Certificates of deposits. And refinancing options.