GCB Savings

Whether you’re just starting out, saving for your child’s future, or simply saving for a rainy day, Georgia Community Bank has a savings account plan to meet your needs.

Savings

Regular Savings Account

Save more and earn more with GCB savings accounts.

Features
  • $100 Deposit to Open Account

  • $100 Minimum Balance to Avoid a Monthly Service Charge

  • Interest compounded daily and credited quarterly. Daily Balance determined by the application of a daily periodic rate to the full amount of the principal in the account each day.

  • Interest rates and annual percentage yields may change according to bank discretion.

  • 3 withdrawals per month at no charge, for each additional withdrawal, the account will be assessed a $1.00 charge per withdrawal.

  • Free Online Banking, Online Billpay, and Mobile Banking*

*Georgia Community Bank offers this service free of charge, but you should check with your mobile service provider for data usage rates.

If you close your account before interest is credited, you will not receive the accrued interest. Interest rates and annual percentage yields may change according to bank discretion.

Savings

Personal IMMA Account

Make the most of your savings with a high return IMMA savings account.

Features
  • $2,500 Deposit to Open Account

  • $5 Monthly Service Charge*

  • 25¢ Per Debit Transaction (withdrawal, check paid, automatic transfer or payment out of account).*

*These fees will be waived if you maintain a daily balance of $2,500.

  • Balance Determined by the Application of a Daily Periodic Rate to the Full Amount of the Principal in the Account Each Day

  • Free Online Banking, Online Billpay, and Mobile Banking**

**Georgia Community Bank offers this service free of charge, but you should check with your mobile service provider for data usage rates.

Savings

Commercial IMMA Account

A Commercial IMMA account is the best of both worlds, delivering higher interest rates and ready access to your funds whenever your business needs them.

Features
  • $2,500 Deposit to Open Account

  • $5 Monthly Service Charge*

  • 25¢ Per Debit Transaction (withdrawal, check paid, automatic transfer or payment out of account).*

*These fees will be waived if you maintain a daily balance of $2,500.

  • Balance Determined by the Application of a Daily Periodic Rate to the Full Amount of the Principal in the Account Each Day

  • Free Online Banking, Online Billpay, and Mobile Banking**

**Georgia Community Bank offers this service free of charge, but you should check with your mobile service provider for data usage rates.

Savings

Christmas Club Account

Our Christmas Club Savings account is the perfect way to save money for the holidays.

Features
  • $3 minimum deposit to open account

  • No monthly service charge

  • New accounts may be opened from November 8th to March 31st of each year. You will receive a check for the balance plus Bonus** during November of each year

  • $20 penalty for early withdrawal

**You will receive an amount equal to the Club agreement set up at account opening as a Bonus for the final payment*, provided that all 49 payments have been paid. If you close the account prior to the 49th payment due date or fail to make all 49 payments, you will not receive the Bonus.

*Some restrictions apply.

Savings

Certificate of Deposit

A Certificate of Deposit is an excellent way to set aside funds for a pre-determined period maximizing your interest earnings while protecting your funds in an FDIC insured savings vehicle. Georgia Community Bank offers a wide array of Certificate of Deposit terms and can tailor the perfect CD to meet your savings needs, including IRA’s

Features
  • Interest will be credited to your account or paid to you monthly, quarterly, semi-annually, annually, at maturity or as agreed upon.

  • After the account is opened, you may not make any deposits into or withdrawals from the principal in the account until the maturity date.

  • Daily Balance method used to calculate interest on your account determined by the application of a daily periodic rate to the full amount of the principal in the account each day.

  • Interest begins to accrue on the business day you deposit any non-cash item.

  • Annual Percentage Yield assumes interest will remain on deposit until maturity.

  • Penalties for early withdrawals are 30 days for CD under 1 year and 3 months for CD over 1 year.

GCB

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