Business Checking

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Business Analysis Checking Account

Opening Deposit

Minimum Balance

Monthly Service Fee

Interest

$100

None

$10

None

This account is not a consumer account subject to Truth in Savings

Applicable fees are offset by an earnings credit on balances

Fully analyzed account, with limited activity.

Checks paid/other debits, $0.10 per item

Deposited item, $0.04 per item (applies to checks, and other items deposited)

Account closing fee $25.00, if closed within 181 days of opening

For additional fees, see Miscellaneous Fees and Charges



Regular Business Checking Account

Opening Deposit

Minimum Balance

Monthly Service Fee

Interest

$100

$1,500/day

$8

$0/min

None

This account is not a consumer account subject to Truth in Savings

Monthly account service charge $8.00 (   To avoid monthly service charge, maintain a minimum daily balance of $1,500.00)

Fees: An excess fee of $0.30 will be charged for each debit/ credit item in excess of 100 during a statement cycle

Account closing fee $25.00, if closed within 181 days of opening

For additional fees, see Miscellaneous Fees and Charges


IOLTA Account

Opening Deposit

Minimum Balance

Monthly Service Fee

Interest

$100

None

$8/month

Yes

This account is not a consumer account subject to Truth in Savings

Interest earned is forwarded to the Georgia Bar Foundation

Frequency or rate changes: At our discretion, we may change the interest rate and annual percentage yield on your account at any time

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

Accrual of interest on non-cash deposits (for example, check): Interest accrues on your daily available balance

If you close your account before interest is credited, you will not receive the accrued interest

Account closing fee $25.00, if closed within 181 days of opening

For additional fees, see Miscellaneous Fees and Charges


Non-Profit Account

Opening Deposit

Minimum Balance

Monthly Service Fee

Interest

$100

$100

$8/month

Yes

Analyzed Interest Bearing Account for Non-Profit Organization

This account is not a consumer account subject to Truth in Savings

Frequency or rate changes: At our discretion, we may change the interest rate and annual percentage yield on your account at any time

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

Accrual of interest on non-cash deposits (for example, check): Interest accrues on your daily available balance

If you close your account before interest is credited, you will not receive the accrued interest

Account closing fee $25.00, if closed within 181 days of opening

For additional fees, see Miscellaneous Fees and Charges


Small Business Account

Opening Deposit

Minimum Balance

Monthly Service Fee

Interest

$100

None

None

None

This account is not a consumer account subject to Truth in Savings

An excess item charge of $0.30 will be charged for each item in excess of 25 during a statement cycle

Account closing fee $25.00, if closed within 181 days of opening

For additional fees, see Miscellaneous Fees and Charges
















Governmental Account

Opening Deposit

Minimum Balance

Monthly Service Fee

Interest

$100

None

$12/month

Yes

This account is not a consumer account subject to Truth in Savings

Analyzed interest bearing account for governmental entities

Frequency of rate changes: At our discretion, we may change the interest rate and Annual Percentage Yield on your account at any time

Compounding and crediting frequency: Interst will be compounded daily and 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

Accrual of interest on non-cash deposits (for example, check): Interest accrues on your daily available balance

If you close your account before interest is credited, you will not receive the accrued interest

Account closing fee $25.00, if closed within 181 days of opening

For additional fees, see Miscellaneous Fees and Charges


For complete listing of services, rates, fees, and restrictions, please contact any customer service representative.