Moniac is an unincorporated community situated along the St. Marys River, in southern Charlton County in the U.S. state of Georgia. Part of the Georgia Bend (the "tail" of Georgia that sticks further south than the rest of the state), the area was an early trading post in the 1820s as the last outpost before crossing into the Florida territory. To protect the settlement from Indian Raids, a fort was built across the St. Marys from the settlement in 1838. The settlement's name comes from an Indian chief whose entrance trail to the Okefenokee Swamp passed near by.