Welcome to Community Bank of the South

Checking Accounts
Savings Accounts
Certificate of Deposit
Debit Card & Credit Card
Merchant Services

CHECKING ACCOUNTS

Reorder Checks

Small Business Checking

$100 minimum deposit to open
$15.65 monthly maintenance fee; maintenance fee can be avoided by maintaining a $3,000 minimum daily balance
Limited to 160 processed items per month. This account converts to regular business checking account if activity exceeds 160 items

Free Small Business Checking

$100 minimum deposit to open
No minimum balance
No monthly maintenance fees
Receives a truncated monthly statement which is a statement that does not include checks or images
Processed items free up to 275 per statement cycle
Will convert to a Regular Business Checking account if activity exceeds 275 items

Regular Business Checking

$100 minimum deposit to open
The credit earned on your current month’s average positive collected balance less reserves maintained with the Federal Reserve, which may be used to offset many monthly service charges
$13.95 monthly maintenance fee
Per item charges; $0.11 per deposit item, $0.35 per deposit/credit item, $0.14 per check paid, $0.12 per electronic credit
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Non Profit Business Checking

$100 minimum deposit to open
Limited to 160 processed items per month. This account will convert to a regular business checking if activity exceeds 160 items
No minimum balance required

SAVINGS ACCOUNTS

Business Savings Account

$100 minimum deposit to open
$3 monthly maintenance fee; maintenance fee can be avoided by maintaining a $250 monthly minimum daily balance
Minimum daily balance of $250

Business Money Market Savings

$2,500 minimum deposit to open account
Interest is calculated and compounded daily on the collected balance and credited to your account monthly. Minimum daily ledger balance of $2,500 is required to earn interest
$10.25 monthly maintenance fee; maintenance fee can be avoided by maintaining a $2,500 minimum daily balance
You may make six (6) transfers from your account per statement cycle, if by preauthorized or automatic transfer, or telephone agreement, order or instruction. Three (3) of these transfers may be made by check, or draft by the depositor and payable to third parties; additional debits, withdrawals, checks or drafts are $5.00 each, regardless of balance. If an account continuously exceeds the debit transactions allowed, we are required by law to reclassify or close the account
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CERTIFICATE OF DEPOSIT

Business Certificate of Deposits

Competitive, guaranteed rates for term of deposit
$2,500 minimum deposit to open
Annual percentage yield assumes interest will remain on deposit until maturity
Interest begins to accrue on the business day the deposit is made
A withdrawal of interest will reduce earnings
Automatically renewable for your convenience with 7 day grace period
Available in terms from 6 months to 5 years
Interest can compound back into your CD or by direct deposit to your Community Bank of the South checking or savings account
FDIC insured up to $100,000
A penalty may be imposed for early withdrawal

DEBIT & CREDIT CARD

Business Debit Card

Community Bank of the South's Debit MasterCard is our debit card that can be used to make purchases worldwide - anywhere you see the MasterCard® logo! Use your card instead of writing a check and your purchases are deducted automatically from your checking account. Each purchase will be detailed on your monthly checking account statement.

The Debit MasterCard can also be used as an ATM Card for easy access to cash at ATM machines. For security reasons, daily and cash withdrawal limits apply. Please stop by our office and apply.

To report a lost or stolen debit card, please call 1-800-528-2273.

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Business Credit Card

We offer the Community Bank of the South Visa and MasterCard Business Credit Card. You can choose from a variety of card selections and options.

All cards are available with competitive rates, competitive fees, great benefits, payment options, individualized cards with designated spending limits and a revolving balance option. Call your account officer directly at (321) 452-0420 and we will be glad to send you an application. You may also come by our office and apply in person.

To report a lost or stolen credit card, please call 1-800-234-2840.

MERCHANT SERVICES

At Community Bank of the South, we offer our business customers Merchant Services. Our Merchant Service provides you with electronic drafts capture for Visa, MasterCard, Discover and American Express. We can also offer you Honor debit card acceptance, check verification and health care eligibility verification.

For more information on these services, please stop by one of our convenient offices or call and ask any one of our Personal Bankers.

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	Checking Accounts Savings Accounts Certificate of Deposit Debit Card & Credit Card Merchant Services CHECKING ACCOUNTS Reorder Checks Small Business Checking $100 minimum deposit to open $15.65 monthly maintenance fee; maintenance fee can be avoided by maintaining a $3,000 minimum daily balance Limited to 160 processed items per month. This account converts to regular business checking account if activity exceeds 160 items Free Small Business Checking $100 minimum deposit to open No minimum balance No monthly maintenance fees Receives a truncated monthly statement which is a statement that does not include checks or images Processed items free up to 275 per statement cycle Will convert to a Regular Business Checking account if activity exceeds 275 items Regular Business Checking $100 minimum deposit to open The credit earned on your current month’s average positive collected balance less reserves maintained with the Federal Reserve, which may be used to offset many monthly service charges $13.95 monthly maintenance fee Per item charges; $0.11 per deposit item, $0.35 per deposit/credit item, $0.14 per check paid, $0.12 per electronic credit (Back to Top) Non Profit Business Checking $100 minimum deposit to open Limited to 160 processed items per month. This account will convert to a regular business checking if activity exceeds 160 items No minimum balance required SAVINGS ACCOUNTS Business Savings Account $100 minimum deposit to open $3 monthly maintenance fee; maintenance fee can be avoided by maintaining a $250 monthly minimum daily balance Minimum daily balance of $250 Business Money Market Savings $2,500 minimum deposit to open account Interest is calculated and compounded daily on the collected balance and credited to your account monthly. Minimum daily ledger balance of $2,500 is required to earn interest $10.25 monthly maintenance fee; maintenance fee can be avoided by maintaining a $2,500 minimum daily balance You may make six (6) transfers from your account per statement cycle, if by preauthorized or automatic transfer, or telephone agreement, order or instruction. Three (3) of these transfers may be made by check, or draft by the depositor and payable to third parties; additional debits, withdrawals, checks or drafts are $5.00 each, regardless of balance. If an account continuously exceeds the debit transactions allowed, we are required by law to reclassify or close the account (Back to Top) CERTIFICATE OF DEPOSIT Business Certificate of Deposits Competitive, guaranteed rates for term of deposit $2,500 minimum deposit to open Annual percentage yield assumes interest will remain on deposit until maturity Interest begins to accrue on the business day the deposit is made A withdrawal of interest will reduce earnings Automatically renewable for your convenience with 7 day grace period Available in terms from 6 months to 5 years Interest can compound back into your CD or by direct deposit to your Community Bank of the South checking or savings account FDIC insured up to $100,000 A penalty may be imposed for early withdrawal DEBIT & CREDIT CARD Business Debit Card Community Bank of the South's Debit MasterCard is our debit card that can be used to make purchases worldwide - anywhere you see the MasterCard® logo! Use your card instead of writing a check and your purchases are deducted automatically from your checking account. Each purchase will be detailed on your monthly checking account statement. The Debit MasterCard can also be used as an ATM Card for easy access to cash at ATM machines. For security reasons, daily and cash withdrawal limits apply. Please stop by our office and apply. To report a lost or stolen debit card, please call 1-800-528-2273. (Back to Top) Business Credit Card We offer the Community Bank of the South Visa and MasterCard Business Credit Card. You can choose from a variety of card selections and options. All cards are available with competitive rates, competitive fees, great benefits, payment options, individualized cards with designated spending limits and a revolving balance option. Call your account officer directly at (321) 452-0420 and we will be glad to send you an application. You may also come by our office and apply in person. To report a lost or stolen credit card, please call 1-800-234-2840. MERCHANT SERVICES At Community Bank of the South, we offer our business customers Merchant Services. Our Merchant Service provides you with electronic drafts capture for Visa, MasterCard, Discover and American Express. We can also offer you Honor debit card acceptance, check verification and health care eligibility verification. For more information on these services, please stop by one of our convenient offices or call and ask any one of our Personal Bankers. (Back to Top)








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