Savings

GCB Savings

Whether you're just starting out, saving for a child's future or simply looking for overdraft protection, Georgia Community Bank has a savings account plan to meet your needs.

Savings

Regular Savings

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.
  • 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.

Features

  • 3 withdrawals per month at no charge, for each additional withdrawal, the account will be assessed a $1.00 charge per withdrawal.
  • During any month, you may not make more than six withdrawals or transfers to another bank account of yours or to a third party by means of a pre-authorized, automatic transfer or telephonic order or instruction, whether initiated by check, draft, debit card, if applicable, or similar order to a third party. This includes online banking account transfers and bill payments.

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. 

GCB-regular-savings

Savings

Personal IMMA

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

Features

  • During any month, you may not make more than six withdrawals or transfers to another bank account of yours or to a third party by means of a pre-authorized, automatic transfer or telephonic order or instruction, whether initiated by check, draft, debit card, if applicable, or similar order to a third party. This includes online banking account transfers and bill payments.
**Georgia Community Bank offers this service free of charge, but you should check with your mobile service provider for data usage rates.
GCB-personal-imma-savings

Savings

Commercial IMMA

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).*
  • 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 Bill Pay, and Mobile Banking**
*These fees will be waived if you maintain a daily balance of $2,500.

Features

  • During any month, you may not make more than six withdrawals or transfers to another bank account of yours or to a third party by means of a pre-authorized, automatic transfer or telephonic order or instruction, whether initiated by check, draft, debit card, if applicable, or similar order to a third party. This includes online banking account transfers and bill payments.
**Georgia Community Bank offers this service free of charge, but you should check with your mobile service provider for data usage rates.
GCB-commercialimma-savings

Savings

Christmas Club

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

Features

  • $3 To Open An Account
  • No Monthly Service Charge
  • New accounts may be opened from November 1st to March 31st of each year. You will receive a check for the balance plus Bonus no later than November 1st of each year.
  • $20 Penalty For Early Withdrawal

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

Features

  • Payments should be made weekly using the coupon or automatic transfer from an internal account. Each account has 50 payment coupons. The 49th payment must be made by October 9th. The final payment (Bonus) will be paid to the account upon check issuance. At the end of the club account period, the funds in the account will be mailed to you by check.**
**You will receive amount equal to Club Agreement set up at account opening as a bonus on the 50th week, provided that the first 49 payments are paid. If you close the account prior to October 9th of that year you will not earn the Bonus
GCB-christmas-club-savings

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.

Features

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

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

GCB-CD-savings

GCB

Our Services

How We Work

GBC utilizes the latest account access technologies available. Get in touch to find out more.

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Checking Accounts

Our plans are loaded with features and make it easy for you to manage your finances any way, anywhere.

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Online Banking

Access your Georgia Community Bank accounts, transfer money, and utilize bill pay.

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Mobile App

Take GCB with you wherever you go! Access your accounts on your phone or other smart device.

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