Business Rates & Service Fees

Georgia’s Own offers some of the best rates around.

Click on a type of account below to find out more rates and service fees. Are you looking for Personal Rates & Service Fees?

Business Rates

Business Checking

Account Type*	Dividend Rate**
Preferred Business Checking -$0.00 to $1,499.99 -$1,500 to $2,499.99 -$2,500 to $9,999.00 -$10,000 to $24,999.00 -$25,000 +	0.01% 0.02% 0.03% 0.03% 0.03%

* Dividends on checking accounts are variable and are subject to change after the account is opened.
** Rate effective for November 1, 2022 applies to Preferred Checking.

Click here for more info about our Business Checking options.

Business Savings

The dividend rates for the following share accounts are based on the below tiered structure:

Business Savings Balance*	Dividend Rate**
$5.01 - $999.99	0.03%
$1,000.00 - $1,999.99	0.04%
$2,000 +	0.05%

*Fees for excess withdrawals within a quarter could reduce earnings on regular savings accounts. Interest on savings and checking accounts are variable and are subject to change after the account is opened.
** Rate effective for November 1, 2022 applies to Business Savings.

Click here for more info about our Business Savings account.

Business Money Market

Balance	Dividend Rate
$2,500 - $9,999.99	0.50%
$10,000 - $24,999.99	0.75%
$25,000 - $49,999.99	1.00%
$50,000 - $99,999.99	1.00%
$100,000 +	2.00%

* Rates are variable and are subject to change without notice. Fees may reduce earnings on this account. Rates are current as of November 1, 2022.

Click here for more info about our Business Money Market options.

Business Certificates of Deposit

The minimum certificate investment is $500.00. Penalty applies for early withdrawal. Fees may reduce earnings on an account.

Tiers	6 Month	1 Year	2 Year
$500 - $9,999.99	0.85%	1.25%	1.50%
$10,000 - $24,999.99	0.85%	1.25%	1.50%
$25,000 - $49,999.99	0.85%	1.25%	1.50%
$50,000 - $74,999.99	0.85%	1.25%	1.50%
$75,000 - $124,999.99	0.85%	1.25%	1.50%
$125,000 +	0.85%	1.25%	1.50%

Click here for more info about our Business CDs & Savings Accounts.

Business Service Fees and Features

Business Checking Account Features

Available Account Features	Preferred Business Checking	Primary Business Checking	Not-for-Profit Business Checking (Non Profit Only)
Earns Interest	See Business Deposit Account Interest Rate & Fee Disclosure for Specifics	No	No
Free Monthly Transactions	Unlimited!	250 items	150 items
First Order of Checks Free	(Annual Credit up to $99)	(1 Time Up to $52)	No
Free, Additional Checking Account		No	No
Monthly Maintenance Fee	$20	$12	$3
Transaction Overage Fees	None	$0.30 per item > 250	$0.30 per item > 150
Free Cash Processing	Up to $10,000	Up to $5,000	Up to $2,000
How to avoid the monthly fee: Do just one of these things each statement cycle	Maintain a minimum daily collected balance of $2,500 or more or Maintain an average monthly collected balance of $5,000 or Maintain a combined average monthly collected balance of $20,000 in Checking, Savings, Money Market, or CD's	Maintain a minimum daily collected balance of $1,000 or more or Maintain an average monthly collected balance of $3,000 or Maintain a combined average monthly collected balance of $10,000 in Checking, Savings, Money Market, or CD's	Maintain a minimum daily collected balance of $500 or more or Maintain an average monthly collected balance of $1,500 or Maintain a combined average monthly collected balance of $5,000 in Checking, Savings, Money Market, or CD's

– Business Deposit Account Interest Rate & Fee Disclosure

Business Savings, Money Market, and CD Account Features

	Business Savings (Required for Membership)	Business Money Market	CDs
Available Account Features
Interest Bearing
Min. Opening Deposit	$5	$100	$500
Monthly Maintenance Fee	No Fee	$5	No Fee
How to avoid the monthly fee: Do just one of these things each statement cycle	N/A	Maintain a minimum daily collected balance of $2,500 or Maintain an average monthly collected balance of $10,000	N/A
Tiered Rates
Allowed Withdrawals	6 withdrawals or transfers monthly	6 withdrawals or transfers monthly	N/A
Existing Checking Account Required?	N/A	N/A	N/A
Business Debit Card	Access Available	N/A	N/A

Business Deposit Account Interest Rate & Fee Disclosure

Deposit Account Interest Rate & Fee Disclosure

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Business Rates & Service Fees

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Georgia’s Own offers some of the best rates around.

Click on a type of account below to find out more rates and service fees. Are you looking for Personal Rates & Service Fees?

Business Rates

Business Rates & Service Fees

You have safely logged out of online banking

Georgia’s Own offers some of the best rates around.

Click on a type of account below to find out more rates and service fees. Are you looking for Personal Rates & Service Fees?

Business Rates

Loan Assumptions and Disclosures