Business Banking

St. Simons Bank & Trust understands that every minute counts when you’re running a business. Providing you with simple, easy-to-use products, while keeping your needs at the forefront, makes managing your business easier. Contact one of our experienced personal bankers or click one of the links below to learn more.

Our accounts and services will make managing your business easy, whether you are in the office or on the go.

Small Business Checking

Our Small Business Checking account provides all the essential banking needs for your business.

Business Analysis Checking

Designed for businesses with higher levels of activity. Your account balance works to your benefit, providing an earnings credit (based on current market rates) toward analysis fees.

Business Now Account

Ideal for sole proprietors and non-profit organizations. Earn interest with our full-service account.

Small Business

Business Analysis

Business NOW

Interest Rate

-- -- variable

Online and Mobile Banking

Alerts and E-statements


Minimum balance or
Average daily balance

Service Charge if Below

min $1,000
average $2,500


balance provides an
earnings credit towards
analysis fees

min $1,000
average $2,500


Activity-based fees

Number of debit items

1st 50 are free, then $.20 per debit

see analysis fee
schedule below


Amount to Open

$100 $100 $100

Business Analysis Fee Schedule

Deposits No Charge
Items Deposited $.07 each
Items Paid $.14 each
Stop Payments $30.00 each
Domestic Wire Transfer (In/Out) $12.00 each
International Wire Transfer (In/Out) $25.00 each
Deposited Checks Returned $2.00 each
Monthly Account Maintenance $8.00
FDIC Insurance No Charge
Special Services Vary by Service
Earnings Credit Rate Varies

We make saving easy! Let us help you with a savings account to meet your specific needs.

Business Gold Investment
Money Market


Interest Rate

variable variable

Online Banking

Mobile Banking

Account Alerts



Minimum balance

Service Charge if below

minimum $1,000


minimum $100


Withdrawal Limits

see below 3 per quarter, $5.00 fee for each withdrawal exceeding the limit

Amount to Open

$1,000 $100

Safe Deposit Box Rental

vary by size vary by size
Important information about our Business Gold Investment Money Market Account

Withdrawals from this account are limited to six (6) third-party transactions. Three (3) transactions can be preauthorized drafts or automatic transfer to other accounts. There are no limits on the number of transfers or withdrawals made by mail, in person, or at an ATM. If transactions exceed the limit, there will be a $5 fee per transaction.

Business Certificates of Deposit (CD):

A CD is a solid investment for any business. St. Simons Bank & Trust offers competitive interest rates on a variety of CD terms from seven days to five years.

Wealth Management

We are proud to offer local investment services to fit your current business needs. And as you plan for the future, allow us to introduce you to our investment team at TNB Financial Services.

Our experienced lenders are eager to help you with your commercial lending needs. We have always believed that the lending process is much more effective if our customers deal directly with the decision makers. We live and work here, and are committed to partnering with you today, and in the years to come, to meet your financial needs.

We are ready to work with you to understand your needs and offer the the lending product that best suits your needs.

  • Lines of Credit
  • Construction Loans
  • Business Term Loans
  • Commercial Real Estate Loans
  • Small Business Association (SBA) Loans

Please feel free to contact our experienced loan officers to discuss your options.

Ashley Hornbuckle

Ashley Hornbuckle
Vice President
(912) 638-1267

Stuart Buckley

Stuart Buckley
Assistant Vice President
(912) 634-3302

Manage your business more effectively and efficiently with electronic banking solutions from St. Simons Bank & Trust.

Online Banking, Remote Deposit Capture and Cash Management services from St. Simons Bank & Trust empower you with flexible services and a range of available options—so you can address the unique banking needs of your business.

Online Banking and Bill Pay

Enjoy the easiest, most convenient electronic banking you’ve ever known! With St. Simons Bank & Trust Online Banking, you can bank securely on your schedule from anywhere you have Internet access! Transfer funds, pay bills, or review account activity at your convenience.

Remote Deposit Capture

Securely make deposits from the convenience of your office with Remote Deposit Capture. Reduce trips to the bank and increase efficiency by simply scanning paper checks for your business deposits.*

*Subject to credit approval

Cash Management

Disbursements and collections are securely and easily handled with our Cash Management services. Schedule electronic payments with clients and expedite deposits to their account or yours. Simply initiate transactions to or from any person or business with a bank account.*

*Subject to credit approval