• Checking
• Interest Checking
• Money Market
• Savings
• CD

• Checking
• Interest Checking
• Money Market
• Savings
• CD

For more information, please call 770-457-5858 or visit our office.

• Multi-language service
• Personalized service
• Low maintenance cost
• Low minimum balance to open an account

CHECKING

• Minimum balance to open the account - $100
• Minimum balance to avoid the imposition of fees - $5 monthly maintenance fee if minimum daily balance is $300 or less or average daily balance is $750 or less.
• Fees - $0.25 per check if the balance in the account falls below the daily or average monthly minimum.

Top

INTEREST CHECKING

• Minimum balance to open the account- $500
• Minimum balance to avoid the imposition of fees - $5 monthly maintenance fee if minimum daily balance is $1,000 or less or the average daily balance is $1,500 or less.
• Fees - $0.25 per check if the balance in the account falls below the daily or average monthly minimum.

Top

MONEY MARKET

• Minimum balance to open the account - $1,000
• Minimum balance to avoid the imposition of fees - $7.5 monthly maintenance fee if minimum daily balance is $1,000 or less or the average daily balance is $1,500 or less.
• Fees - $5 per debit for each debit over the 3 checks and/or 3 transfers permitted per month.

• Transaction limitations - Federal Banking Regulations limit you to 6 pre-authorized or telephone transfers to your other accounts or third party transactions per statement period, no more than 3 can be by check or draft.

Top

SAVINGS

• Minimum balance to open the account - $250
• Minimum balance to avoid the imposition of fees - $5 quarterly maintenance fee if minimum daily balance is $250 or less the average daily balance is $750 or less.
• Fees - $2.00 per withdrawal for each withdrawal over the 5 withdrawals permitted per quarter.
• Transaction limitations - You are limited to 5 withdrawals per quarter.

Top

Business Deposit Accounts

CHECKING

• Minimum balance to open the account - $250
• Minimum balance to avoid the imposition of fees - $7.5 monthly maintenance fee if minimum daily balance is $500 or less or average daily balance is $1,000 or less.

• Fees - $0.25 per check for more than 30 checks per month.

Top

INTEREST CHECKING

• Available to non-profit organization and sole proprietors only.
• Minimum balance to open the account - $1,000
• Minimum balance to avoid the imposition of fees - $7.5 if minimum daily balance is $1,000 or less or the average daily balance is $1,500 or less.

• Fees - $0.25 per check for more than 30 checks per month.

Top

MONEY MARKET

• Minimum balance to open the account - $1,000
• Minimum balance to avoid the imposition of fees - $7.5 monthly maintenance fee if minimum daily balance is $1,000 or less or the average daily balance is $1,500 or less.
• Fees - $5 per debit for each for each debit over the 3 checks and/or 3 transfers permitted per month.

• Transaction limitations - Federal Banking Regulations limit you to 6 preauthorized or telephone transfers to your other accounts or third party transactions per statement period, no more than 3 can be by check or draft.

Top

SAVINGS

• Minimum balance to avoid the imposition of fees - $7.5 quarterly maintenance fee if minimum daily balance is $500 or less the average daily balance is $1,000 or less.
• Fees - $2.00 per withdrawal for each withdrawal over the 5 withdrawals permitted per quarter.
• Transaction limitations - You are limited to 5 withdrawals per quarter.

• Monthly maintenance fee - $10.00 per month.
• Fees - $0.10 per each debit item and $0.75 per each credit item.
• On-us items deposited - $0.05
• Local items deposited - $0.05
• Foreign items deposited - $0.05
• Currency provided - $0.20/per $100.00
• Currency deposited - $0.10/per $100.00
• Reserve rate - currently 10%

• Earnings credit rate - This rate is based in current market rates and may vary monthly.

Top

ADDITIONAL INFORMATION FOR INTEREST BEARING ACCOUNTS

Rate Information - Your interest rate and annual percentage yield may change.
Frequency of rate changes - We may change the interest rate on your account at any time.
Determination of rate - At our discretion, we may change the interest rate on your account.
Compounding and crediting frequency - interest will be compounded every month. Interest will be credited every month.
Effect of closing an account - if you close your account before interest is credited, you will not receive the accrued interest.
Daily balance computation method - We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in as the account each day. The AVERAGE DAILY BALANCE is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period.
Accrual of interest on non-cash deposits - interest begins to accrue on the first business day after the banking day you deposited non-cash items ( for example, checks).

Top

Loan Services

Global Commerce Bank is committed to finding ways to meet all your financing needs through flexible terms and competitive pricing. Our interested areas include: 

• Working Capital Financing 
• A/R and Inventory Financing 
• Seasonal Financing 
• Commercial Real Estate Purchase, Construction Financing 
• SBA Loans 
• Consumer Loan 
• Car Loan 

Top

Benefits for Letter of Credit:  

Exploring ways to establish a solid relationship with a new or semi-new company? Letter of Credit are used as guarantees of payment in business transactions with companies you have limited trading experience or credit history. Certificate Deposit are commonly used to secure the credit.

Global Commerce Bank offers two types: Commercial Letter of Credit, which are used to assist trading activities between businesses (particularly international transactions), and Standby Letter of Credit, which provide an assurance to others that your business will meet its contractual obligations.

• Issuance of Commercial Letters of Credit
• Issuance of Standby Letters of Credit
• Export L/C Negotiations, Advising, & Transferring.
• Import/Export Trade Financing
• Import/Export Documentary Collections
• International Wire Transfer
• Foreign Currencies Wire Transfers

Global Commerce Bank provides various size safety deposit boxes