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.

Performance Checking
 
Designed to provide all of the essentials of a busy household for peak financial performance.

• Non-Interest Bearing
• Unlimited Check Writing
• First Order of Custom Checks Free
• Overdraft Protection
• Free Visa® CheckCard or ATM
• 24 Hour Telephone Banking
• Free Online Banking
• Free Bill Pay
• Free Paper or E-Statements
• A $5 monthly service charge may be avoided by maintaining a $500 minimum daily balance OR a monthly direct deposit.
• $100 to Open

Privilege Checking

With age comes privilege. Our mature households (age 50+) enjoy many benefits

• Earns competitive interest rate
• Unlimited Check Writing
• Custom Checks Free or 25% Discount
• Overdraft Protection
• Free Visa® Checkcard or ATM
• 24 Hour Telephone Banking
• Free Online Banking
• Free Bill Pay
• Free Paper or E-Statements
• Discounted Safe Deposit Box
• Free Travelers & Official Checks
• Must have at least one signer 50+
• A $5 monthly service charge may be avoided by maintaining a $500 minimum daily balance OR a monthly direct deposit.
• $100 to Open

Prestige Checking

Relationships are key to success. Enjoy prestigeous benefits for those with multiple CBS accounts.

• Earns competitive interest rate
• Unlimited Check Writing
• Custom Checks free or 25% Discount
• Overdraft Protection
• Free Visa® Checkcard or ATM
• 24 Hour Telephone Banking
• Free Online Banking
• Free Bill Pay
• Free Paper or E-Statements
• Discounted Safe Deposit Box
• Free Travelers & Official Checks
• Preferred rates on CDs and Loans
• A $20 monthly service charge may be avoided by maintaining an aggregate balance of $15,000 or more in a combination of checking, money market, savings, and CDs OR maintain an outstanding loan balance of $25,000 or more.
• $100 to Open

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 - Effective August 1st, 2012

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
• No minimum balance requirement 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

CDs & IRAs

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:

• $5,000 minimum deposit to open
• Interest earned on fixed rate
• Interest paid monthly, quarterly, semi-annually or annually by direct deposit at CBS
• Penalty for early withdrawal dependent on term
• Renewals for amounts less than $5,000 are allowed as long as they stay in the same product/term; otherwise the minimum applies.

Platinum Money Market

Enjoy maximum earnings benefits with five tiers. The more you have, the more you automatically earn.

• Earns competitive interest rate
• Limited to six (6) transfers or withdrawals per statement cycle
• Overdraft Protection
• Free Visa® Checkcard or ATM
• 24 Hour Telephone Banking
• Free Online Banking
• Free Paper or E-Statements
• Free Investment Consultation
• Tiers: $2,500 to $24,999; $25,000 to $99,999; $100,000 to $249,999; $250,000 to $749,999; $750,000 and Up
• A $10 monthly service charge may be avoided by maintaining a $2,500 minimum daily balance. An excess transaction fee of $10 may be imposed for over six (6) transfers or withdrawals per month.
• $2,500 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
• 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: homeloans@cbsouth.com

Click here for access to a residential mortgage application.

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.