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Business Banking

Business Checking Account Program

Your Business is our business... and we want to help provide those ‘extras’ that can make your life easier and save time in your busy schedule.

Here are some new services we have to offer …

  • Internet Banking. Now you can do your personal and business banking online 24 hours a day….even pay bills online too.
  • Cash Management is Now Available. A service designed for our commercial checking customers that utilizes a Cash Management account that provides fully automated movement of their funds, offering convenient, and enhanced yield.
    To learn more about Cash Management services contact Jane Ferrell, Vice President at Central Bank in Savannah or call her at 731-925-9046. Jane can meet with you ‘one on one’ and can demonstrate to you ‘How Cash management services can make your time more productive and save your business’.
  • Business checking is now eligible for our Bounce Protection program. Please call our Customer Service Representatives for more information.

Business Checking

  • Free Online Banking and NetTeller Bill Payment
  • Free 24 Hour Telephone Banking
  • Free Notary Service
  • Monthly Fees based on Account Balance:
    Balance Monthly Fee
    below $600 $4.50
    below $400 $5.50
    below $300 $7.50

A fee of .10 for all debit items over 50 will be charged. A credit of .10 for each $1000.00 of your balance at the end of the cycle will be credited to you.




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Business Savings Programs

Money Market Account ... A place to have money "tucked away" with easy access!

  • $5,000 minimum deposit to open this account
  • Interest on your funds accrue daily and pays monthly
  • Allows you 15 withdrawals per quarter ($12.50 service fee for each withdrawal above the 15 allowed)
  • $12.50 monthly service charge only if daily balance falls below $5000 on any day of month
  • 24 Hour access available through Telephone Banking or Online Banking

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Passbook Savings ... A great way to save for a rainy day!

  • $50 minimum deposit to open this account
  • Interest on your funds accrue daily and pays quarterly
  • Allows you 15 withdrawals per quarter ($12.50 service fee applies for each withdrawal above the 15 allowed)
  • 24 Hour access available through ATM’s, Phone Banking, or Online Banking
  • Free Online transfers available between savings and other Central Bank accounts
*$3.00 per month will be charged if balance falls below $500.00 on any day.

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Business Certificates of Deposit

Several options available with very competitive rates….whatever your strategy, you can invest with Certificates of Deposits from 91 days to 5 years. Our Customer Service Representatives can discuss with you the most current rates and can assist you in determining which CD product that best fits your needs.

  • $1000 minimum deposit to open a Certificate of Deposit
  • Competitive rates
  • Call for terms
  • Convenient automatic renewal
  • Interest payment options available (check with customer service representative)

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Unlawful Internet Gambling Enforcement Act (UIGEA) of 2006
The UIGEA, signed into law in 2006, prohibits any person engaged in the business of betting or wagering (as defined in the Act) from knowingly accepting payments in connection with the participation of another person in unlawful internet gambling. The Dept of Treasury and the Federal Reserve Board have issued a joint final rule, Regulation GG, to implement this Act.

As defined in Regulation GG, unlawful Internet gambling means to “place, receive or otherwise knowingly transmit a bet or wager by any means which involves the use, at least in part, of the internet where such bet or wager is unlawful under any applicable Federal or State law in the State or Tribal lands in which the bet or wager is initiated, received or otherwise made”.

As a customer of Central Bank, these restricted transactions are prohibited from being processed through your account or banking relationship with us.   Please see one of our Operations specialists if you would like additional information on UIGEA or Regulation GG.