Business Checking Accounts
Commercial Checking
- For the established business with diverse needs.
- $100 minimum deposit to open
- $10 monthly maintenance fee
- Deposited items:
- Citizens Bank items……….$.03 each
- Non-Citizens Bank items….$.05 each
- $.35 per deposit
- $.15 per debit item
- Earnings credit rate……previous month’s average of 90-day Treasury bill rate
- Negative collected balance……Citizens Bank prime + 2% (based on daily balance)
- Your account will be debited approximately the 10th of each month for any net service charges incurred during the previous month
Business Interest Checking
- This account is for individuals, sole proprietors or husbands and wives operating unincorporated businesses and non-profit organizations.
- $100 minimum deposit to open
- $10 monthly maintenance fee
- $.05 charge per deposited item
- $.06 charge per debit item
- Interest will be compounded daily, credited monthly and paid on the collected balance less the current reserve requirements.
- Rate is subject to change without notice.
Small Business Checking
- For the entrepreneur with big dreams!
- $100 minimum deposit to open
- $10 monthly maintenance fee
- 100 free debits per cycle
- $.15 charge per debit over 100
- 100 free deposited items per cycle
- $.15 charge per deposited item over 100
- Maintenance fee can be avoided by maintaining a minimum $1000 daily balance or $2500 average balance.
Non-Profit Checking
- No monthly maintenance fee for non-profit organizations only.
- $100 minimum deposit to open
- No monthly maintenance fee
Unlawful Internet Gambling Enforcement Act Regulation GG
I certify that this business does not engage in internet gambling. I will notify The Citizens Bank of Cochran in the event of any change in circumstance.
The Citizens Bank of Cochran reserves the right to close your account upon discovery of restricted transactions being processed through your account or relationship.
Business Savings Accounts
Commercial Money Market Account
- $100 minimum deposit to open
- $15 monthly maintenance fee
- $5.00 account closing fee (If closed within 90 days of opening).
- $.05 charge per deposited item, regardless of balance
- Interest will be compounded daily, credited monthly and paid on the collected balance.
- Six (6) debit transactions per statement cycle ($2 per debit and/or check/draft item in excess, regardless of account balance). If an account continuously exceeds the debit transactions allowed, we are required by law to reclassify or close the account.
- Monthly Statements
- Bank reserves the right to require at least seven (7) days notice prior to withdrawal or transfer of any funds in the account.
Business Savings
- $100 minimum deposit to open this account
- $3 monthly account maintenance fee
- $5.00 account closing fee (If closed within 90 days of opening).
- No maintenance fee charged if account maintains a $100 minimum daily balance
- One (1) debit transaction free per statement cycle ($1 per debit item in excess, regardless of account balance)
- Six (6) debit transactions per statement cycle, with no more than three (3) debits by check or draft to a third party. If an account continously exceeds the debit transactions allowed, we are required by law to reclassify or close the account.
- No minimum balance required to earn interest
- Interest compounded daily, credited monthly, and paid on the collected balance
Business CDs
Certificates of Deposit (CDs)
Certificates of Deposit *
- $500 minimum deposit to open this account
- A variety of maturity dates available
- Earns a market rate of interest through maturity date
- Maturity notice mailed 10 days prior to maturity date
- Pre-renewal notice mailed 10 days prior to renewal date
- Automatic certificate renewal available
- Certificates can be used as collateral on loans
- Interest may be reinvested, deposited to another account or paid out by check
- Penalty for early withdrawal
Jumbo Certificates of Deposit *
- $100,000 minimum deposit to open this account
- A variety of maturity dates available
- Earns a market rate of interest through maturity date
- Maturity notice mailed 10 days prior to maturity date
- Pre-renewal notice mailed 10 days prior to renewal date
- Automatic certificate renewal available
- Certificates can be used as collateral on loans
- Interest may be reinvested, deposited to another account or paid out by check
- Penalty for early withdrawal
* Certain restrictions apply, please call (478) 934-6277 to speak with a Customer Service Representative at The Citizens Bank of Cochran or (478) 272-9650 to speak with a Customer Service Representative at Community Bank of Dublin-Laurens County for full disclosure information. Please review penalties for early withdrawals under the Personal Banking tab, and under Account Disclosures.
View Your Account Online
Online Visa Application
MasterMoney Card
Easy and convenient access to your checking account without using checks
Accepted anywhere Master Card is accepted
ATM access
Issued upon approval
ATMs
Statement and balance information available
Cash advance from The Citizens Bank of Cochran and Community Bank of Dublin-Laurens County Visa or Master Card bankcard accounts
Transactions reported on monthly checking or bankcard account statement
Withdrawals made at ATMs are charged to your account under the per item fee schedule for your particular account
Access to The Citizens Bank of Cochran and The Community Bank of Dublin-Laurens County’s Atms
ATM Networks
Account accessibility through the following networks: Pulse, Master Card Maestro, SUM, NYCE.
Provides cash from the customer’s checking account with The Citizens Bank of Cochran Master Money Card or Community Bank of Dublin-Laurens County Master Money card.
Gives customers the ability to make balance inquiries.
For a complete list of ATMs in the Intercept
Merchant Processing
Merchant Processing
Boost Your Business…
Today’s dynamic marketplace has revved up the competition and positioned you in the race. To stay ahead of the game, you need high quality support from your credit card service provider. By adhering to your high standards, Merchant Services has spread its wings to become one the most dependable and reliable payment processors in the nation.
By providing access to high-performance products and services offering the latest in technology and support, Merchant Services can help increase customer satisfaction, and ultimately, your revenue.
The Citizens Bank of Cochran is honored to work with Merchants Choice Payments Solutions! Together we will strive to bring you the latest in Merchant Services technology to increase your average ticket, increase your overall sales volume, and enhance customer relationships by providing additional services to your customers.
We offer the option of 24 Hour Banking so you, the customer, can complete your business and personal banking at any time of the day! Online Banking lets you have access to a broad range of banking services.
Contact a Customer Service Representative today at (478) 934-6277 for complete details!
Citizens Bank of Cochran
124 East Dykes Street
P.O. Box 427
Cochran, Ga. 31014
(478) 934-6277
Drive Thru & Office Hours:
Monday - Thursday : 8:30 a.m. - 5:00 p.m.
Friday : 8:30 a.m. - 5:30 p.m.
Community Bank of Dublin-Laurens County
605 Bellevue Avenue
Dublin, Ga. 31021
(478) 272-9650
Drive Thru & Office Hours:
Monday - Thursday : 8:30 a.m. - 5:00 p.m.
Friday : 8:30 a.m. - 5:30 p.m.
Electronic Banking
The Citizens Bank of Cochran and the Community Bank of Dublin-Laurens County offer convenient online & mobile services:
- Online Banking
- Mobile Banking
- Text Banking
- eStatements
- Bill Pay
Telephone Banking: 1-866-619-1418
Contact us at
[email protected]
