• GBC Budget Checking
• GBC Regular Checking
• GBC Preferred Checking
• GBC Interest Checking
• GBC Money Market Account
• Prime Money Market Account

If you write only a few checks a month and prefer no minimum balance requirements, this account will save you money:

• No minimum balance requirement.
• A low monthly maintenance fee of $3.00.
• A 15¢ per check charge will apply for each check written.
• No charge for ATM cards or transactions. (Terminal usage fees at foreign ATM's not included.)
• Minimum opening deposit of $50.

If you prefer to maintain a minimum balance in your account and not pay monthly maintenance fees, this account is ideal.

• No monthly maintenance fee with a $300 minimum balance or $750 average monthly balance.
• If the account balance is less than the minimum amount stated above, a $10 maintenance fee will be assessed.
• Unlimited check writing.
• No charge for ATM cards or transactions.
  (Terminal usage fees at foreign ATM's not included.)
• Minimum opening deposit is $50.

Preferred Checking is designed for customers who maintain higher balances. Additional benefits are provided to our customers as a loyalty bonus for your relationship.

• Interest is paid on 100% of the balance.
• No monthly maintenance fee when you maintain a $5,000 balance in a checking or savings account, or $10,000 balance in a money market or certificate of deposit.
• If the account balance is less than the minimum amount stated above, a $25 monthly maintenance fee will be assessed.
• Unlimited check writing.
• No charge for ATM cards or transactions.
  (Terminal usage fees at foreign ATM's not included.)
• Minimum opening deposit is $100.
• Free personalized Preferred Checks.
• Free Cashier's Checks.
• Bonus interest rate paid on additional certificates of deposit.
• Discount on loan rates.
• Free Notary Service.
• Free photocopies.
• No fee charged on Overdraft Protection transfers.
• Extra benefits for our customers over 50.

In addition to all the benefits listed above, these account holders will receive a higher interest rate paid on the Preferred Checking Account.

Georgia Banking Company will pay for the use of your funds with this interest-bearing account.

• Interest is paid on 100% of the balance.
• No monthly maintenance fee with a $500 minimum daily balance.
• If the account balance is less than the minimum amount stated above, a $10 monthly maintenance fee will be assessed.
• Unlimited check writing.
• No charge for ATM cards or transactions.
  (Terminal usage fees at foreign ATM's not included.)
• Minimum opening deposit is $100.

Earn extremely desirable interest rates and still have access to your funds.

• Interest is paid on 100% of the balance.
• Unlimited teller window withdrawals.
• Minimum opening deposit is $1,000.
• No maintenance fee when you maintain a $1,000 minimum balance.
• If the account balance is less than the minimum amount stated above, a $10 monthly maintenance fee will be assessed.
• Federal regulations restrict the number of third party transactions (checks and electronic debits) to a limit of six per month. Only three of these can be a check. A $5.00 fee will be charged for each third party transaction over six.

• Variable rate calculated at 50% of the Wall Street Journal Prime Rate
• Minimum Deposit $10,000
• Has the same restriction on withdrawals as the regular money market
• Rate subject to change without notice