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
Free Visa® Business Checkcard (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
Auto Overdraft Shelter		up to $500	up to $1,000	up to $1,000

(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

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 (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, Vista, or 7 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.

Enterprise Checking

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

• Free Visa ® Business Checkcard
• Free Basic Corporate Online
• Includes reconcilement interface with Quicken or Quickbooks
• Auto Overdraft Shelter of $1,000
• Free Paper or E-Statements
• Free Check Images
• 24 Hour Telephone Banking
• Free 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
• Free Basic Corporate Online
• Includes reconcilement interface with Quicken or Quickbooks
• Auto Overdraft Shelter of $500
• Free Paper or E-Statements
• Free Check Images
• 24 Hour Telephone Banking
• Corporate Bill Pay Available for $5.95/mo; > 10 items = $.50 each*
• Monthly Maintenance: $12
• $.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
• 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*
• Monthly Maintenance:  $12
• $.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.

• Auto Overdraft Shelter of $1,000
• 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:

   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.