PersonalBusiness

 

 



 

 


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


CBS Business Deposit Accounts at a Glance

NOW BUSINESS
BASICS
ENTERPRISE
ANALYSIS
CAPITAL
MONEY
MARKET
For Sole Proprietorships, non-profit organizations and government entities with limited monthly transactions. Designed for Businesses with limited transactions and basic entrepreneurial needs. Best suited for Businesses with higher balances and activity requiring more advanced services. For Businesses seeking the highest return for reserve  funds.
Free Basic Corporate Online
Free Check Images
Free 24/7 Telephone Banking
Free Paper or Estatements
Free Online Check Images
Visa ® Business Checkcard (Overdraft and Return Item Fees May Apply) (3)  
Corporate Bill Pay (2)    
Pays Interest    
Earnings Credit Applies      
Deposit at Work (1)(3)      
Lockbox Services (3)      
Best for # of Transactions: < 50 Up to 150 Over 150 Up to 6

(1) Fees Apply; must be opened as Deposit at Work Account
(2) $5.95 Fee for Business NOW & Business Basics Checking plus $.50 for every item over 10 items;
      Free for Enterprise Analysis Checking plus $.50 for every item over 50 items
      Corporate Bill Pay charges must be hard-charged; not available in analysis
(3) May require Credit Approval

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


Other Services


VISA® Check Card


ATM access and ease of purchases are yours with the CBS VISA® check card.
• Can be used anywhere Visa® is accepted
• Purchases are automatically deducted directly from your checking account
• Can also be used as an ATM card

Credit Cards

Make all your purchases simple and easy with our MasterCard® credit cards with competitive rates.

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

• Make deposits from the convenience of your workplace.
• Saving Time = Saving Money
• Same features as analysis except for Monthly Maintenance of $50
• Scanner costs vary

Deposit checks electronically from your desktop!

Deposit@Work utilizes a desktop scanner 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 Microsoft® Vista, 7, or 8 and a USB 2.0 or 3.0 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.

Enterprise Checking

For businesses with higher activity levels and/or requiring more advanced services.

• Free Visa ® Business Checkcard (Overdraft and Return Item Fees May Apply)
• Free Basic Corporate Online
• Includes reconcilement interface with Quicken or Quickbooks
• Free Paper or E-Statements
• Free Check Images
• 24 Hour Telephone Banking
• Corporate Bill Pay for up to 50 payables per month;  > 50 are $.50 each*
• Group Analysis of Multiple Linked Analysis Accounts Available
• Monthly Maintenance: $18
• Per Deposit: $ .75
• Debit/Check/ACH: $ .15
• Per Deposit Item: $ .10
• Earnings Credit may vary based on Tiers:
       $.01 - $24,999
       $25,000 - $99,999
       $100,000 - $249,999
       $250,000 - $749,999
       $750,000 & Up
• $100 to Open

Business Basics Checking

Designed for businesses with limited transactions and basic entrepreneurial needs.

• Free Visa ® Business Checkcard (Overdraft and Return Item Fees May Apply)
• Free Basic Corporate Online
• Includes reconcilement interface with Quicken or Quickbooks
• Free Paper or E-Statements
• Free Check Images
• 24 Hour Telephone Banking
• Corporate Bill Pay Available for $5.95/mo; > 10 items = $.50 each*
• $.45 per debit or credit item > 150
• A $12 monthly maintenance may be avoided by maintaining a $5,000 minimum daily balance or $50,000 in Outstanding Loans.  (Only one account waiver per $50,000 in Outstanding Loans) 
• $100 to Open

Business NOW Account

For sole-proprietorships, non-profit organizations and government entities with limited monthly transactions.

• Free Visa ® Business Checkcard (Overdraft and Return Item Fees May Apply)
• Free Basic Corporate Online
• Includes reconcilement interface with Quicken or Quickbooks
• Free Paper or E-Statements
• Free Check Images
• 24 Hour Telephone Banking
• Corporate Bill Pay Available for $5.95/mo; > 10 items = $.50 each*
• $.45 per debit or credit item > 50 
• Interest Bearing Account
• A $12 monthly maintenance may be avoided by maintaining a $2,500 minimum daily balance
• $100 to Open

Options/Important Notes:
• Premier E-Corp Available for $25 and may be hard-charged or in analysis
• Lockbox services also available for additional hard-charge
• Accounts/certain features of any account may require credit approval
• Corporate Online is Quicken or Quickbooks Compatible for Reconcilement
• * Corporate Bill Pay Charges must be hard-charged; may not be in analysis

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.

• $300 minimum deposit to open
• Competitive interest rate compounded monthly, paid quarterly
• Six (6) free transfers or withdrawals/quarter
• Excess transfers or withdrawals will result in charge of $5 each
• Maintain $300 minimum daily balance to avoid $10 service charge /quarter

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

Capital Money Market

For businesses seeking the highest return for reserve funds.

• Free Basic Corporate Online
• Free Paper or E-Statements
• Free Check Images
• 24 Hour Telephone Banking
• Limited to six (6) transfers or withdrawals per statement cycle
• Competitive interest rates may vary based on  Tiers:
       $5,000 - $24,999
       $25,000 - $99,999
       $100,000 - $249,999
       $250,000 - $749,999
       $750,000 & Up
• A $10 monthly maintenance charge may be avoided by maintaining a $5,000 minimum daily balance.
• An excess transaction fee of $10 will be imposed for over six (6) transfers or withdrawals per month. 
• $5,000 to Open

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:

 Commercial and Business Loans
SBA Loans

 Credit Card Services


Community Bank of the South - NMLS# 463194

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.

 

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