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Primary Business Checking
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Thank you for choosing Georgia’s own!
Features:
- Ideal for businesses with low to moderate transaction volume
- For businesses who maintain lower balances
- Anytime access with online & mobile banking
- Visa® Business Debit Card
- 250 transactions per month for free
- Up to $5,000 in cash processing per month free
- Free first order of checks
The Primary Business Checking account has a monthly service fee of $12. You can avoid this fee by doing one of these things each statement cycle:
– Maintain a minimum daily collected balance of $1,000 or more
– Maintain an average monthly balance of $3,000
– Maintain a combined average monthly collected balance of $10,000 in Checking, Savings, Money Market, or CDs
See Rates
Get Started
To open a Business Checking account, visit any of our branch locations. For more information about these products, give us a call at 800.533.2062 or fill out the request form.
Related Links
Preferred Business Checking
Not-for-Profit Business Checking
Business Savings, Money Markets & CD’s
Treasury Management Solutions
Business Banking – Watch this short video
Compare Our Business Checking Accounts
| Available Account Features | Preferred Business Checking | Primary Business Checking | Not-for-Profit Business Checking (Non Profit Only) | Corporate Plus Checking |
|---|---|---|---|---|
| Earns Interest |  See Business Deposit Account Interest Rate & Fee Disclosure for Specifics | No | No | See Business Deposit Account Interest Rate & Fee Disclosure for Specifics |
| Free Monthly Transactions | Unlimited! | 250 items | 150 items | Unlimited! |
| First Order of Checks Free | (Annual Credit up to $99) | (1 Time Up to $52) | No | (Annual Credit up to $99) |
| Free, Additional Checking Account | | No | No | No |
| Monthly Maintenance Fee | $20 | $12 | $3 | $20 |
| Transaction Overage Fees | None | $0.30 per item > 250 | $0.30 per item > 150 | None |
| Free Cash Processing | Up to $10,000 | Up to $5,000 | Up to $2,000 | Up to $10,000 |
| How to avoid the monthly fee: | 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 | Maintain an average monthly collected balance of $10,000 |
Points:
A point is equal to one percent of the principal amount of your mortgage. For example, if you get a mortgage for $100,000, one point means you pay $1000 to the lender. These points are usually collected at closing and may be paid by the borrower or the home seller, or may be split between them.
Annual Percentage Rate (APR):
A rate that reflects the actual annual cost of a loan and includes the loan interest rate, private mortgage insurance, points and some fees.
Loan Assumptions and Disclosures
These sample rates are published weekdays at 10:00am EST.
The information provided is general and assumes only the following scenario:
- Purpose of the loan: Purchase a property.
- Property location: Atlanta, GA 30303
- Property Type: Existing single family home
- Property Use: Primary residence
- Estimated property value: $200,000
- Estimated down-payment: $40,000
- Loan amount: $160,000 (80% Loan to Value)
- Credit Score: 740
- Escrow (impound) account is required.
- Rate lock period is 45 days.
- Fees: $3000 to estimate closing costs in order to approximate an APR.
Georgia's Own Credit Union Loan Options
Mortgage Type:
5/5 ARM
Advantages:
- Interest rate stays fixed for first 5 years. Adjusts every 5 years thereafter.
Best Choice If:
- The benefits of both a Fixed and ARM product.
Disadvantages:
- Interest rate and monthly payments will adjust in the future.
- Interest rate can rise above the current fixed rates over time.
ARM Features:
- Fixed for 1st 5 years, adjusts every 5 years after.
Georgia's Own Credit Union Loan Options
Mortgage Type:
30-Year Fixed
Advantages:
- Level principal and interest payments for the full term of the loan.
- Allows for higher loan amount qualification and enhanced buying power.
- No risk that changing market conditions will increase your monthly payments.
Best Choice If:
- You plan on staying in the home long-term.
- You need your monthly payments to remain fixed over the life of the loan.
Disadvantages:
- Benefits of the fixed rate are not realized until after the 10th year. (10/1 ARM is a better option if loan is paid-off within 10 years.)
Georgia's Own Credit Union Loan Options
Mortgage Type:
15-Year Fixed
Advantages:
- Level principal and interest payments for the full term of the loan.
- No risk that changing market conditions will increase your monthly payments.
- The loan balance will decrease more rapidly than a 30 Year mortgage.
Best Choice If:
- You plan on staying in the home long-term.
- You need your monthly payments to remain fixed over the life of the loan.
- You would like to pay-off the loan balance quickly.
Disadvantages:
- Monthly payments are higher than a 30-year mortgage
Sample Payment:
- Please click on the P&I link at