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.