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
Stuart Buckley
Assistant Vice President
sbuckley@stsimonsbank.com
(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