Overview

Click here for access to a commercial account application. Print, complete and mail, fax or walk-in to your nearest branch.
Successful companies need a banking partner that understands their business and is willing to meeting their comprehensive financial needs. Regardless of the size of your enterprise, we have a product to optimize your efficiency thereby allowing you to focus on the challenges of your industry. Allow us to be the financial solution to your business needs.

Click here for access to a commercial account application.        Print, complete and mail, fax or walk-in to your nearest branch.     Click here to View Commercial Accounts Brochure

Checking Accounts

Savings & Investments

Loans

Business Regular

This account features an earnings credit which is applied to eliminate or reduce fees. Let us help with your business needs today.

• $100.00 minimum deposit to open
• $15.00 monthly maintenance fee
• $.15 per debit item
• $.08 per item deposited
• $.50 deposits
• Earnings credit is applied to reduce or eliminate fees

Economy Business

We've tailored the economy business account to meet the needs of a small business. The account features 50 free items per month.

• $100.00 minimum deposit to open
• No minimum balance requirement
• $10.00 monthly maintenance fee
• $.50 for each excessive item
• 50 free items per month

Commercial Money Market

Our commercial money market account is tiered to reward higher balances while offering you access to your funds, while earning competitive interest rates.

• $5,000.00 minimum deposit to open
• $10.00 maintenance fee assessed if balance drops below $5,000.00
• 6 transfers or withdrawals permitted per monthly statement cycle
• $10.00 per-withdrawal fee assessed for excessive withdrawals

Commercial Money Market Plus

This account offers you the same flexibility as our commercial money market. You will enjoy a higher yield on larger balances with this account.

• $100,000.00 minimum deposit to open
• $10.00 maintenance fee assessed if balance drops below $100,000.00
• 6 transfers or withdrawals allowed per monthly statement cycle
• $10.00 fee for each excessive withdrawal


See a bank representative for disclosures on all products and services.

Other Services

ATM Card

Our ATM card provides access to your funds 24 hours a day, seven days a week. With your ATM card and personal identification number, you can access your account with ease.
• Convenience of our automated teller machines for 24-hour account access

Deposit@Work
Remote Deposit Capture

Deposit checks electronically from your desktop!

Deposit@Work utilizes a desktop scanner (pictured right) that connects to your PC and the Internet. With it, you can scan checks received from customers and issue deposits electronically to the bank, anytime day or night. It's the quickest way to turn check deposits into cash.

Consolidate funds from remote locations into one bank

Check deposits can easily be made from any remote office or storefront. This streamlines your cash flow by consolidating deposits from multiple locations into a single bank.

Make Deposits anytime

Enjoy the convenience of making deposits electronically 24-hours a day, 7 days a week, even weekends.

Save time preparing deposits

Preparing deposits electronically is very efficient, reducing labor costs and freeing up staff for other tasks.

Cut courier fees or trips to the bank

Electronic deposits can reduce trips to the bank or eliminate courier fees. Save valuable employee time and travel expense.

Reduce risk of check fraud

Faster check clearing allows you to act sooner on returned checks, significantly increasing your opportunities for collection.

More Secure

Multiple layers of security including password protection, Internet firewalls, and 128-bit encryption, the highest level of security available.

What you will need:

Deposit@Work is easy to set up and use. All you need are the following items:
• PC with current version of the Microsoft ® XP or 200 and a USB 2.0 port
• Approved desktop check scanner and software
• Internet connection.
• Account with Community Bank of the South
Extended deadline for same day deposits
Can't get to the bank by 2:00 p.m.? With Deposit@Work, you can make deposits until 6:00 p.m. EST.
For complete information on Deposit@Work, including scheduling an in-office demonstration, call 770.436.4567.
Click here for the full brochure on Deposit@Work

Please see a Community Bank of the South Customer Service Representative for all products and services.

Checking Accounts

Commercial Checking Accounts

        Click here for access to a commercial account application. Print, complete and mail, fax or walk-in to your nearest branch.

Business Regular

This account features an earnings credit which is applied to eliminate or reduce fees. Let us help with your business needs today.

Economy Business

We've tailored the economy business account to meet the needs of a small business. The account features 50 free items per month.

• $100.00 minimum deposit to open
• No minimum balance requirement
• $10.00 monthly maintenance fee
• $.50 for each excessive item
• 50 free items per month

Please see a Community Bank of the South Customer Service Representative for current interest rates and disclosure information.

Savings & Investment

Commercial Savings & Retirement Accounts

        Click here for access to a commercial account application. Print, complete and mail, fax or walk-in to your nearest branch.

Business Savings

Get a "jumpstart" on saving for the future with this account that also has a competitive interest rate. Invest weekly or monthly to start building for the future.

• $200 minimum deposit to open
• Earns attractive market interest rate
• 6 free withdrawals per quarter
• $2.00 fee per each withdrawal in excess of six per quarter
• $6.00 quarterly service charge assessed if balance falls below $200.
• Interest compounded daily and posted quarterly
• No minimum balance requirements for minors or custodial accounts

IRA Savings

Our Individual Retirement Account is a great way to save for retirement. You can invest in a Traditional, Roth, Education or SEP account.

• $50.00 minimum deposit to open
• Interest compounded daily and posted quarterly
• $50.00 minimum balance to earn attractive market interest rate

IRA Certificates

A great tool to earn higher interest rates on your long-term savings while investing it in an Individual Retirement Account. We offer a full array of terms to meet your specific savings goals
• $2,500 minimum deposit required to open
• Call for periodic special offerings

Certificates of Deposit

A great tool to earn higher interest rates on your long-term savings, offering flexible investment terms. We offer a full array of terms to meet your specific savings goals:

• As low as $2,500 minimum deposit to open
• Variety of terms available
• Interest earned on fixed market rate
• Interest paid monthly, quarterly, semi-annually, annually
• Penalty for early withdrawal
• Call for current rates

Commercial Money Market

Our commercial money market account is tiered to reward higher balances while offering you access to your funds, while earning competitive interest rates.

• $5,000.00 minimum deposit to open
• $10.00 maintenance fee assessed if balance drops below $5,000.00
• 6 transfers or withdrawals permitted per monthly statement cycle
• $10.00 per-withdrawal fee assessed for excessive withdrawals

Commercial Money Market Plus

This account offers you the same flexibility as our commercial money market. You will enjoy a higher yield on larger balances with this account.

• $100,000.00 minimum deposit to open
• $10.00 maintenance fee assessed if balance drops below $100,000.00
• 6 transfers or withdrawals allowed per monthly statement cycle
• $10.00 fee for each excessive withdrawal


Please see a Community Bank of the South Customer Service Representative for current interest rates and disclosure information.

Loans

From time to time, if you are like most people or business owners, you have a need to borrow money. The loan professionals at Community Bank of the South invite you to talk with us when those needs arise. You will discover the best in prompt, professional service along with attractive interest rates and flexible terms to suit your budget. At Community Bank of the South, we're local people...making local decisions!

Loan Products:

   Consumer Loans
   Commercial and Business Loans
   Home Equity Loans
SBA Loans

Help Your Business Grow and Prosper!

Through our partnership with the U.S. Small Business Administration (SBA), Community Bank of the South is proud to offer SBA financing to local businesses. As an SBA lender, we participate in 7a and 504 programs.

Consider SBA Financing for:
•  Business Acquisition
•  Purchase and/or Construction of Commercial Real Estate
•  Renovation or Expansion
•  Equipment & Inventory
•  Working Capital
•  Refinancing Existing Debt
Featuring:
•  Free Consultation
•  Longer Terms – Up to 25 years for real estate
•  Lower Down Payments
SBA 7(a) Loan Guaranty Program
The most widely used Small Business Administration loan.
SBA 7(a) loans are often used for working capital, business expansion or acquisition, and purchase of inventory, equipment, or owner-occupied real estate. We offer loan amounts of $50,000 up to $2 million.

SBA 504 Certified Development Company Loan Program
Long-term, fixed-rate financing for a fixed asset.
SBA 504 loans are a flexible way to finance a long-term building or equipment acquisition project of $500,000 to $5 million. Business can often buy property with a lower down payment, and repay the loan over terms as long as 20 years.

Our experienced SBA lending team will provide you with the expertise and guidance you need to obtain an SBA loan for your business. A dedicated lending expert will work with you through completion of the loan process, providing you with the same level of superior service you have come to expect from Community Bank of the South.

Nancy Eaton
NMLS# 486521
Assistant Vice President, SBA Specialist
Phone: (678) 385 - 7944
Email: neaton@cbsouth.com
For more information on SBA, please visit www.sba.gov.

   Real Estate Loans
Mortgages

Community Bank of the South offers Mortgage Services

At Community Bank of the South, we understand that a new home mortgage is one of the biggest investments you'll ever make. Whether you are a first time homebuyer, moving into a larger home, building your dream home, or refinancing your current home, we offer a full range of mortgage loan financing solutions depending on your needs:

• Primary residence
• Refinance
• Investment properties
• Second homes
• Brochure

Let our experienced and dedicated mortgage loan officer help you determine the best loan option for you:
• FHA
• Traditional Fixed Rate Loans
• Adjustable Rate Mortgages
• Interest Only Loans
• Jumbo Loans

What's more, at Community Bank of the South, you'll enjoy -
• Personalized attention
• Timely, local decisions
• Banking professionals who know you by name
• Available through all branches - and if you can't come to us, we'll come to you!

For more information or to set up an appointment, contact:

Janice Phillips
NMLS# 486525
Vice President, Mortgage Lending
Phone: (678) 385-7976
Fax: (678) 385-7510
Email: jphillips@cbsouth.com

See a bank representative for disclosures on all products and services.

   Credit Card Services

Click here for access to a consumer or commercial loan application.

Print, complete and mail, fax or walk-in to your nearest branch.
If you would like more information on our products and services, click on the link below, provide your name and basic contact information and a bank representative will contact you the next business day.

mail@cbsouth.com

Please see a Community Bank of the South Customer Service Representative for all products and services.