FDIC Transaction Account Guarantee


By operation of federal law, beginning January 1, 2013, funds deposited in a noninterest-bearing transaction account (including an Interest on Lawyer Trust Account) no longer will receive unlimited deposit insurance coverage by the Federal Deposit Insurance Corporation (FDIC). Beginning January 1, 2013, all of a depositor’s accounts at an insured depository institution, including all noninterestbearing transaction accounts, will be insured by the FDIC up to the standard maximum deposit insurance amount ($250,000), for each deposit insurance ownership category. For more information regarding FDIC coverage of noninterest-bearing transaction accounts, please visit www.fdic.gov.

Legal Notice

Please read these terms and conditions carefully. By accessing this site and any pages thereof, you agree to be bound by the terms and conditions below. If you do not agree to the terms and conditions below, do not access this site, or any pages thereof. Copyright © Georgia Community Bank. All rights reserved. Copyright in the pages and in the screens displaying the pages, and in the information and material therein and in their arrangement, is owned by Georgia Community Bank unless otherwise indicated.


Georgia Community Bank and its logos are trademarks and service marks of Georgia Community Bank and are used and registered. We may also claim rights in certain other trademarks and service marks contained in these web pages.

Use of Information and Materials

The information and materials contained in these pages, and the terms, conditions, and descriptions that appear, are subject to change. Unauthorized use of our websites and systems including but not limited to unauthorized entry into our systems, misuse of passwords, or misuse of any information posted on a site is strictly prohibited. Your eligibility for particular products and services is subject to final determination by us.

No Warranty

The information and materials contained in this site, including text, graphics, links or other items are provided “as is”, “as available”. We do not warrant the accuracy, adequacy or completeness of the information and materials and expressly disclaims liability for errors or omissions in this information and materials. No warranty of any kind, implied, expressed or statutory including but not limited to the warranties of non-infringement of third party rights, title, merchantability, fitness for a particular purpose and freedom from computer virus, is given in conjunction with the information and materials.

Limitation of Liability

In no event will we be liable for any damages, including without limitation direct or indirect, special, incidental, or consequential damages, losses or expenses arising in connection with this site or any linked site or use thereof or inability to use by any party, or in connection with any failure of performance, error, omission, interruption, defect, delay in operation or transmission, computer virus or line or system failure, even if Georgia Community Bank, or representatives thereof, are advised of the possibility of such damages, losses or expenses.


All information submitted to us via this site shall be deemed and remain the property of our bank. We shall be free to use, for any purpose, any idea, concepts, know-how or techniques contained in information a visitor to this site provides our bank through this site. We shall not be subject to any obligations of confidentiality regarding submitted information except as agreed by us having the direct customer relationship or as otherwise specifically agreed or required by law. Nothing contained herein shall be construed as limiting or reducing Georgia Community Bank’s responsibilities and obligations to customers in accordance with our privacy policy for consumers.


This site is not intended for distribution to, or use by, any person or entity in any jurisdiction or country where such distribution or use would be contrary to local law or regulation.

Additional Terms

Certain sections or pages on this site may contain separate terms and conditions, which are in addition to these terms and conditions. In the event of a conflict, the additional terms and conditions will govern for those sections or pages.

Governing Law

Use of this site shall be governed by all applicable federal laws of the United States of America and the laws of the State of Georgia.

Security Disclaimer

Nothing is more important than the security of your business and personal information. We are in constant pursuit of the latest security implementations and procedures to help keep you secure.
Secure Environment

Georgia Community Bank understands the importance of security. Our Online Banking system provides customers with account access in a safe, simple fashion.

Banking on the Internet

Georgia Community Bank’s websites are divided into two sections. The public website that anyone can access and the secure Online Banking site that requires some combination of identification such as username, access ID, and passwords and can only by accessed by customers. This combination of identification is known as Multi-factor Authentication and uses something only the end user knows. The Network is structured so that servers, which store the financial data, are NOT connected directly to the Internet and are secured safely behind a firewall.

Paying Bills Online

You should pay your bills only through a secure Internet connection. As long as you protect your username and password, the system is designed to be secure.

Emailing Georgia Community Bank

Website links and contact forms allow you to send unsecured email to bank customer service representatives. Due to the nature of the Internet, there is a possibility that unsecured (unencrypted) email could be intercepted and read by third parties. For this reason we ask that you do not send any confidential information, such as account numbers, from these forms or links. Georgia Community Bank assumes no responsibility for interception of confidential information you send in an unsecured (unencrypted) email message or contact form. We will not send confidential information to you through unsecured email. Please do not report lost/stolen ATM/debit or credit cards by email. Please contact your nearest branch directly by phone or in person.

When you are using our Online Banking system and have passed the Multi-factor Authentication, you may send us a message using the “Secure Messaging” feature. More help and information is available on our customer education page and our secure Online Banking site. If you have any questions that are not answered please contact us.

Site Disclaimer

Every effort has been made by Georgia Community Bank to give accurate and reliable information in our website. Please be aware that due to the possibility of human and mechanical errors, as well as other factors, Georgia Community Bank is not responsible for any errors or omissions confined herein.

All information in Georgia Community Bank’s Web Site is provided “as is,” without warranty of any kind. Georgia Community Bank makes no representations and specifically disclaims any express or implied warranties to users or any third parties, including but not limited to, warranties as to accuracy, timeliness, completeness, merchantability, or fitness for any purpose. The content of the Web Site may not be used for commercial or non-commercial use without the express written consent of Georgia Community Bank.

Georgia Community Bank shall not be liable under any circumstances to users and/or any third parties for indirect, consequential, incidental or punitive damages as a result of using the web site. Even if Georgia Community Bank is advised of the possibility of such damages, Georgia Community Bank shall not be liable.

Georgia Community Bank’s Web Site may include access to external Web Sites, known as “links.” Please note that Georgia Community Bank is not associated with and has no control over the content or information on such links and, therefore, is not responsible for any such links or external Web Sites. Georgia Community Bank does not endorse, promote, and/or sanction these links. The links have been provided for your convenience. The content or information in such links is the sole responsibility of their authors and/or owners.