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Business Capture
Business Capture is a virtual check deposit solution that helps you save time and improve your cash flow. It enables your business to operate more efficiently by allowing you the option of submitting deposits from your office. Using a desktop scanner, upload digital images of checks directly to your computer, verify and reconcile the deposit amount, then submit it to Georgia’s Own.
Already enrolled?
Login here: Business Capture Login
Details:
- Save time – no need to wait in line at the lobby or drive-thru.
- Scan your checks and make deposits from your office.
- Reduce expenses – travel time away from work, fuel costs, and wear and tear on vehicles.
- Easy to use software.
- Assists in recordkeeping – download reports into QuickBooks.
- Digital images are archived for 45 days.
- Easily compare and reconcile your expected deposit amount to the total from the scanned items.
- Improves security and reduces fraud – only designated users have access.
*You will receive same-day credit for all deposits submitted by 5:00pm EST. Deposits submitted after 5:00pm EST will be credited on the following business day.
Business Capture Pricing
- Monthly service fee of $25.
- One-time set up and implementation fee of $30.
- Location fee of $10 per month (for scanner locations).
- Scanner prices vary.
- Applicable fees are applied to the business account at the end of the month.
Have Questions? Ask one of our Business Experts
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