Overview

Our personal products provide you with a variety of choices designed to meet the needs of your unique lifestyle, from the beginning of your journey in life through enjoying your retirement years. Our customers enjoy true community banking with a level of personalized service unsurpassed by other financial institutions. Select from the categories below to maximize your benefits and find just the right "fit" for you.

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

Checking Accounts

Savings & Investments

Loans

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

Checking Accounts

Personal Checking Accounts

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

Totally Free Checking
 
• No minimum balance
• No monthly service charge
• Unlimited check writing
• No per check charge
• Low $100 opening minimum deposit
• Free Visa® Check Card*
• Free telephone banking
• Free online banking

* Upon credit approval

Freedom Checking Account

• No monthly service charge
• Free bill pay*
• Free check writing with direct deposit, $.50 per check after 12 without direct deposit
• No minimum balance
• First order of custom checks free
• Low $100 opening minimum deposit
• Free Visa® Check Card*
• Free telephone banking
• Free online banking

* Upon credit approval

Interest Checking

Our Interest Checking account keeps your money working for you. Maximize your return on checking account balances.
• Earns competitive interest rate
• Unlimited check writing
• No monthly service charge with balance of $1,000 minimum daily balance or $2,500 average balance.
• $12 monthly fee if balance requirements are not met
• Low $100 opening minimum deposit
• Free Visa® Check Card*
• Free telephone banking
• Free online banking

* Upon credit approval

"Fifty Plus" Account

This account is designed for individuals 50 and over. Enjoy unlimited check writing privileges, free checks and many other services at no cost to you while earning interest.
• For customers age 50 and over
• Earns competitive interest rate
• No minimum balance
• No monthly service charge
• No per check charge
• Unlimited check writing
• Free custom checks
• Free travelers checks
• Free official checks
• Discounted safe deposit box***
• Low $100 opening minimum deposit
• Free Visa® Check Card*
• Free telephone banking
• Free online banking

* Upon credit approval
*** Subject to availability

Ultimate Checking

This account is our rewards based checking account offering you far more than traditional checking accounts. With this account you can enjoy unlimited check writing, a great interest rate and many other services at no cost to you.
• Earns competitive interest rate
• Free custom checks
• Unlimited check writing
• Preferred rates on certificates of deposit
• Preferred rates on consumer loans
• No fee travelers checks
• No fee official checks
• Discounted safe deposit box***
• To qualify for Ultimate Checking without monthly service charge, must maintain $10,000 or more in a CD, IRA, personal Money Market account or maintain $5,000 or more in regular savings account.
• $20 monthly maintenance fee if requirements are not met
• Free bill pay*
• Low $100 opening minimum deposit
• Free Visa® Check Card*
• Free telephone banking
• Free online banking

* Upon credit approval
*** Subject to availability

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

Savings & Investment

Personal Savings & Retirement Accounts

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

Regular 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

Personal Money Market

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

• Tiered balances
• $1,000 minimum deposit to open
• To earn interest, a minimum balance of $1,000 must be maintained daily
• $10 service charge assessed if daily balance drops below $1,000
• 6 transfers or withdrawals allowed per monthly statement cycle
• $10 fee for each excessive withdrawal
• Interest compounded daily and posted monthly

Personal Money Market Plus

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

• Tiered balances
• $100,000 minimum deposit to open
• To earn interest a minimum balance of $.01 must be maintained daily
• $10 service charge assessed if daily balance drops below $100,000
• 6 transfers or withdrawals allowed per monthly statement cycle
• $10 fee for each excessive withdrawal
• Interest compounded daily and posted monthly


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.