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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.

 

Let Georgia First help you manage your business’ cash reserves and earn interest at the same time.

Business savings Comparison Chart

- Minimum Opening Balance Service Charge/Fee Daily Minimum Balance to avoid fee Daily Minimum Balance to get APY Interest paid
Business First Savings $100 $4.00 - Quarterly $100 NO Quarterly
Business First Money Market $10,000 $10.00 - Monthly $10,000 $10,000 Monthly
Business First Premium Money Market $25,000 $10.00 - Monthly $25,000 $25,000 Monthly

Business First Savings

    • Minimum deposit to open - $100
    • Daily Minimum Balance of $100 to avoid $4.00 quarterly service charge.
    • Six (6) withdrawals per quarter. $4.00 excessive fee per additional withdrawal or debit transaction thereafter (excluding preauthorized loan payments).
    • Interest credited to account quarterly

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COMMUNITY

Business First Money Market

    • 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.
    • Six (6) withdrawals per month. $5.00 excessive fee per additional withdrawal or debit transaction thereafter (excluding preauthorized loan payments).

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COMMUNITY

Business First Premium Money Market

    • Minimum deposit to open - $25,000
    • Daily Minimum Balance of $25,000 to avoid $10.00 monthly service charge
    • Daily Minimum Balance of $25,000 must be maintained to obtain annual percentage yield.
    • Six (6) withdrawals per month. $5.00 excessive fee per additional withdrawal or debit transaction thereafter (excluding preauthorized loan payments).

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COMMUNITY

Certificates of Deposit (CDs)

    • Georgia First offers fixed interest rate on terms from 6 months to 3 years.
    • Minimum deposit to open - $500
    • Penalty for early withdrawal.
    • Single or automatic renewal.

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COMMUNITY

*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.