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 |
√ | √ | √ |
MaintainMinimum balance or |
min $1,000 |
balance provides an |
min $1,000 average $2,500 $8.00 |
Activity-based feesNumber 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
|
Business
|
|
|---|---|---|
Interest Rate |
variable | variable |
Online Banking |
√ | √ |
Mobile Banking |
√ | √ |
Account Alerts |
√ | √ |
E-Statements |
√ | √ |
~Maintain~Minimum balance |
minimum $1,000 $8.00 |
minimum $100 $5.00 |
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
Vice President
ahornbuckle@stsimonsbank.com
(912) 638-1267
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 – and more - at your convenience!
Bill Pay
With our Bill Pay service, pay bills online via ACH or Check - to individuals or vendors, set up one-time or recurring payments and manage payments easily. You can also receive bills electronically from hundreds of companies and vendors.
E-Delivery
Tired of unnecessary paper? Want to save the environment? Want to access these documents faster than you would a paper statement / notice? Sign up for e-delivery for statements and notices. You will get an email when your new statement / notice is ready.
Information Download
Download transactions to QuickBooks®, Quicken®, Open Financial Exchange (OFX), Spreadsheet (CSV) or Text Files (TXT) to keep your records current with little effort or expense.
Sweeps
Need to seamlessly and effectively manage your business account balances where the funds are automatically managed between multiple accounts and / or loans? Contact us to set up a sweep to fit your operational needs.
Transfers
Set up one-time or recurring transfers between your accounts instantly.
Have additional electronic banking needs? Check out our Treasury Management Services
Manage your business more effectively and efficiently using the Treasury Management Banking suite of solutions from St. Simons Bank & Trust.
ACH Origination
ACH Origination provides increased benefits to employees and service to clients. Process secure and efficient electronic payments with employees or clients and expedite deposits to their account or yours. Initiate transactions to or from any person or business with a bank account.*
- Direct Deposits of payroll to employees’ accounts
- Draft Payments from customers
- Pay Vendors
Positive Pay
Fraud detection service intended to protect you from the unexpected. Checks and/or ACH transactions that may be fraudulent or processed incorrectly require verification prior to payment approval. Exceptions are decisioned through the bank’s online banking platform.*
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.*
Wire Transfers
Make domestic wire transfers of funds via the banks online banking platform.*
*Subject to credit approval
Ready to learn more? Contact one of our Treasury Management professionals at 912-638-1190 for more information.