For the most current list of branch hours and availability, please click here.
Online Banking Login
Close
What would you like to search for?
You have safely logged out of online banking
Thank you for choosing Georgia’s own!
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
* Dividends on checking accounts are variable and are subject to change after the account is opened.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%
0.04%
0.04%
** Rate effective for January 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:
*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.Business Savings Balance* Dividend Rate** $5.01 - $999.99 0.03% $1,000.00 - $1,999.99 0.04% $2,000 + 0.05%
** Rate effective for January 1, 2022 applies to Business Savings.Click here for more info about our Business Savings account.
- Business Money Market
* Rates are variable and are subject to change without notice. Fees may reduce earnings on this account. Rates are current as of January 1, 2022.Balance Dividend Rate $2,500 - $9,999.99 0.15% $10,000 - $24,999.99 0.20% $25,000 - $49,999.99 0.25% $50,000 - $99,999.99 0.30% $100,000 + 0.35%
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 0.30% 0.50% 0.55% $10,000 - $24,999.99 0.30% 0.50% 0.55% $25,000 - $49,999.99 0.30% 0.50% 0.55% $50,000 - $74,999.99 0.30% 0.50% 0.55% $75,000 - $124,999.99 0.30% 0.50% 0.55% $125,000 + 0.30% 0.50% 0.55% Click here for more info about our Business CDs & Savings Accounts.
Business Service Fees & 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 SpecificsNo 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 cycleMaintain 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'sMaintain 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'sMaintain 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 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 $10,000N/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