Georgia First Bank is a locally owned and managed small business in your community, which means that we understand the challenges other small business face. We also understand that running your own business comes with plenty of fiscal responsibility. At Georgia First, it is our goal to simplify your banking experience and your interactions with us, so that you can focus on growing your business.


We offer great solutions to help you grow and sustain your business.

Business Checking Comparison Chart

- Minimum Opening Balance Monthly Service Charge/Fee Daily Minimum Balance Daily Minimum Balance To get APY Interest paid
Business First Checking (Basic) $100 $6.00 - Monthly NO N/A N/A
Business First Interest Checking $10,000 $10.00 - Monthly $10,000 $10,000 Monthly

Business First Checking

    • Minimum deposit to open - $100
    • $6.00 monthly service change
    • 50 free debits per statement cycle, after which charge of $0.15 per debit item
    • 150 free deposit items per statement cycle, after which charge of $0.05 per deposit item

Business First Interest Checking

    • Minimum deposit to open - $10,000
    • Daily Minimum Balance of $10,000 to avoid $10.00 monthly service charge.
    • Daily Minimum Balance of $10,000 must be maintained to obtain annual percentage yield.

*Registration/activation required.

  • [1] IDProtect is a personal identity theft protection service available to account owner(s) and their joint account holders. The service is available to non-publicly traded businesses and their business owner(s) listed on the account (service not available to employees or authorized signers who are not owners). For revocable grantor trusts, the service is available only when a grantor is serving as a trustee and covers the grantor trustee(s). For all other fiduciary accounts, the service covers the beneficiary, who must be the primary member (Fiduciary is not covered). Service is not available to a “signer” on the account who is not an account owner. Service is not available to clubs, organizations and/or churches and their members, schools and their employees/students.
  • [2] Special Insurance Program Notes: The descriptions herein are summaries only. They do not include all terms, conditions and exclusions of the policies described. Please refer to the actual policies for complete details of coverage and exclusions. Insurance is offered through the company named on the certificate of insurance. Guide to Benefit is provided at time of account opening.
  • [3] This is NOT insurance. Insurance products are not a deposit; not FDIC insured; not an obligation of bank; and not guaranteed by bank or any affiliated entity.


**ALL Georgia First Checking Accounts include complimentary Mastercard ATM/Contactless Debit Cards, Online Banking, Online Bill Pay Services, Mobile Banking, and Mobile Deposit.