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BUSINESS CHECKING ACCOUNT (ANALYSIS)
  • This account is not a consumer account subject to Truth in Savings
  • Minimum amount to open the account $500
  • Applicable fees are offset by an earnings credit on balances
  • Maintenance fee $10.00. Fully analyzed account, with unlimited activity.
  • Checks paid/other debits, per item 10 cents
  • Deposited item, per item .04 cents (applies to checks, and other items deposited)
  • Interest Paid- None
  • Account Closing fee $25, if closed within 181 days of opening
REGULAR BUSINESS CHECKING ACCOUNT
  • This account is not a consumer account subject to Truth in Savings
  • Minimum amount to open the account $100
  • Monthly account maintenance fee $8 (To avoid monthly maintenance fee, maintain a minimum balance of $1,500)
  • Fees: An excess fee of $0.10 will be charged for each debit/ credit item in excess of 100 during a statement cycle
  • Interest Paid- No
  • Account closing fee $25, if closed within 181 days of opening
SMALL BUSINESS ACCOUNT
  • This account is not a consumer account subject to Truth in Savings
  • Minimum amount to open the account $500
  • No minimum balance required
  • Monthly account maintenance fee $8
  • An excess item charge of $.30 will be charged for each item in excess of 25 during a statement cycle
  • Interest Paid- No
  • Account closing fee $25, if closed within 181 days of opening
IOLTA ACCOUNT
(Interest earned is forwarded to the Georgia Bar Foundation) 
  • This account is not a consumer account subject to Truth in Savings
  • Minimum amount to open the account $100
  • Monthly account maintenance fee $8
  • Interest Paid-Yes
  • Rate Information: Your interest rate and annual percentage yield may change
  • Frequency of rate changes: We may change the interest rate on your account at anytime
  • Determination of rate: At our discretion, we may change the interest rate on your account
  • Compounding and crediting frequency: Interest will be compounded daily. Interest will be credited to your account every month.
  • Daily balance computation method: We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.
  • If you close your account before interest is credited, you will not receive the accrued interest
  • Account closing $25, if closed within 181 days of opening
  • Accrual of interest on non-cash deposits: Interest begins to accrue no later that the business day we receive credit for the deposit of non-cash items.
  • Interest Rate: Please contact Customer Service for current rates.
NON PROFIT ACCOUNT
(Analyzed Interest Bearing Account for Non-Profit Organization) 
  • This account is not consumer account subject to Truth in Savings
  • Minimum amount to open the account $100
  • Monthly account maintenance fee $8
  • Interest Paid- Yes
  • Rate Information: Your interest rate and annual percentage yield may change
  • Frequency of rate changes: We may change the interest rate on your account at anytime
  • Determination of rate: At our discretion, we may change the interest rate on your account
  • Compounding and crediting frequency: Interest will be compounded daily. Interest will be credited to your account every month.
  • Daily balance computation method: We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.
  • If you close your account before interest is credited, you will not receive the accrued interest
  • Accrual of interest on non-cash deposits: Interest begins to accrue no later that the business day we receive credit for the deposit of non-cash items (For example, checks)
  • Interest Rate: Please contact Customer Service for current rates.
GOVERNMENTAL ACCOUNT
(Analyzed Interest Bearing Account for Governmental Entities) 
  • This account is not a consumer account subject to Truth in Savings
  • Minimum amount to open the account $100
  • Monthly account maintenance fee $12
  • Interest Paid- Yes
  • Rate Information: Your interest rate and annual percentage yield may change.
  • Frequency of rate changes: We may change the interest rate on your account at anytime
  • Determination of rate: At our discretion, we may change the interest rate on your account
  • Compounding and crediting frequency: Interest will be compounded daily. Interest will be credited to your account every month.
  • Daily balance computation method: We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.
  • If you close your account before interest is credited, you will not receive the accrued interest
  • Accrual of interest on non-cash deposits: Interest begins to accrue no later that the business day we receive credit for the deposit of non-cash items (For example, checks)
  • Interest Rate: Please contact Customer Service for current rates.
 
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