Regarding the CARES Act
We are closely monitoring the impact of the COVID-19 pandemic in our communities. Here are the most commonly asked questions by our customers.
Q: Will Georgia Community Bank’s hours or services change due to the pandemic?
It is our goal to remain open and available as much as it is safely possible to assist you with your financial needs. All decisions are made with federal and state directives.
We have made the following changes in our bank offices, due to the Pandemic:
- As of March 17, 2020, we closed our bank lobbies for the safety of our staff, customers, and communities. Currently, we do not have a timetable for re-opening our lobbies to the public. They will remain closed until it is safe for them to re-open as advised by health officials.
- Our drive-thrus will remain open at this time from 8:30 am – 4:30 pm Monday – Thursday and until 5 pm on Fridays. They will remain open for as long as it safe for them to be open as advised by health officials.
- We will have limited staff available in our branches to assist customers by phone.
- Arrangements to safely access your safety deposit box can be made on a case by case basis by contacting your local branch.
Q: Is banking considered an essential service?
Yes, the government considers banking to be an essential service that must continue to operate.
Q: Will my debit card continue to work as it does today?
Yes, there should not be any interruptions to the networks that process debit and credit card transactions. All of our vendor partners have activated business continuity plans to ensure the continuation of their services.
Q: What procedures are you taking to keep environments, teller stations and equipment clean and sanitized?
Our tellers are wearing gloves and are discarding gloves and replacing them with new ones on a regular basis. All employees are sanitizing their hands through-out the day and they are taking care to wipe surfaces and door handles throughout the day with bleached wipes.
Q: Does the virus live on currency? Should I take precautions using money?
The World Health Organization (WHO) reports that the virus can live on surfaces, including currency. We recommend that you practice recommendations from the Centers for Disease Control (CDC) as it relates to washing your hands, not touching your face, etc. after you have handled any currency.
Q: What accommodations has Georgia Community Bank made so that I do not have to visit a bank office?
We offer multiple options for customers to make their transactions. We have a mobile app, online banking, and ATMs for cash withdrawals at each of locations. Our ATM devices also undergo the same enhanced sanitizing process as our office locations. To enroll in online banking, please visit our website at www.gcb.bank. You must be enrolled in online banking to download the mobile app. Please feel free to call your local branch if you need assistance.
Q: Should I withdraw extra money in the event of an emergency?
We do not advise you to withdraw large amounts of money. We do not anticipate any impediments to take place to access to banking services; banking is considered an essential service, so any quarantine orders will not impact the ability to access your funds. If you remove your deposits for safekeeping in your home, you will no longer have the benefit of your balances being insured by the FDIC. For information regarding your FDIC coverage, please visit http://www.fdic.gov/deposit/deposits.
Q: Will there be enough cash during a pandemic or other national disaster?
The Federal Reserve System has and will continue to meet the currency needs of banking customers. Be assured that sufficient resources are available to handle customer needs. Keep in mind, the safest place for your money is inside a bank. Banks will continue to ensure that their customers have access to funds either directly or electronically, and inside an FDIC-insured bank, your funds are protected by the FDIC.
Q: Will the Georgia Community Bank still provide notary services at its offices?
We will do our best to provide notary services to our customers. We advise that you call ahead to the branch you plan to visit to confirm that a notary is available to assist you. We will also request that we meet you outside of the bank and that you provide your own pen for your signature.
Q: Will Georgia Community Bank waive my overdraft fees during this pandemic?
We always strive to engage with customers during hardships to refund fees within reason. For those impacted directly by the COVID-19 pandemic, please contact your account officer or local branch to discuss your options on a case by case basis.
Q: What concessions will Georgia Community Bank provide to me regarding my loans?
We are granting loan extensions, deferments and modifications and possibly waiving any extension fees on a case by case basis. If you find yourself experiencing a financial hardship as a result of the COVID-19 pandemic, please contact your loan officer immediately in order to discuss work-out options.
Q: Is there any assistance offered with regards to making my mortgage payment?
A: If you are presently being impacted due to a layoff, reduced hours at work, or loss of hours due to lack of childcare or illness, we have a team ready to discuss options available. Please contact your local lending officer to discuss if any options are available to you.