Business Savings
- $50.00 minimum opening balance
- $50.00 minimum daily balance to avoid $10.00 monthly service charge
- Interest bearing account compounded monthly
- Overdraft transfer from savings to checking - $10.00 per transaction
- Free Online Banking
- Free 24 hour telephone banking
*Interest rates are variable and subject to change
Business Relationship Advantage
Monthly service charges waived on business and
personal accounts with combined personal and business
deposit balances of $25,000 or greater. In addition
Business Relationship Advantage customers qualify for
additional account benefits. Ask us for more details!
Group Banking and Employee Advantage
Incentives are available to reward business clients and
their employees for banking with Athens Federal. Ask us
for more details!
**Refer to separate Schedule for Miscellaneous
Bank Charges
Locations
Athens Main Office:
Decatur Pike Office:
Etowah Office:
Madisonville Office:
Sweetwater Office:
Ocoee Street Office:
25th Street Office: |
(423) 745-1111
(423) 745-0981
(423) 263-1111
(423) 442-2338
(423) 337-3501
(423) 476-0667
(423) 728-0338 |
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Business Certificates of Deposit
Competitive rates are paid on various terms from 7 days to 60 months.
Additional Bank Products and Services
- Investment and Retirement Services are offered through the Athens Federal Community Bank Investment and Retirement Services Division (1) and include:
- 401K
- SEP
- Simple IRA
- Life Insurance
- (1) Securities and Annuities offered through the Athens Federal Community Bank Investment and Retirement Services Division:
- may go down in value
- are not FDIC insured
- are not bank guaranteed
- are not insured by any Federal Government Agency
- Complete line of Merchant Services which include:
- Credit and Debit Card Processing
- Remote Deposit
- Payroll Cards
- Check guarantee, verification, and conversion
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Small Business Free Checking
Ideal for business clients with a limited number of monthly transactions
- Open with $200.00
- No minimum balance
- No service charge
- Up to 100 checks per month and 250 total items per month with no charge ($.20 per each item over)
- AFCB Business Check Card
- Up to a $2,500 Athens Federal “WhenUNeedIt” Line of Credit (subject to credit approval)
- AFCB Business Credit Card (subject to credit approval)
- Free 1st Order of Checks and Deposit Slips
- Free Online Banking/Bill Pay
- Free 24-Hour Telephone Banking
- Discount on Safe Deposit Box Rental
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Corporate Analysis Checking
Ideal for business clients that require unlimited number of
monthly transactions
- Open with $200.00
- Transaction fees are offset by earnings credits based
on average daily balance in the account or in a
combined interest bearing “sweep” account.
- AFCB Business Check Card
- Up to a $10,000 Athens Federal “WhenUNeedIt”
- Line of Credit (subject to credit approval)
- AFCB Business Credit Card (subject to credit approval)
- Free 1st Order of Checks and Deposit Slips
- ACH Origination Services Available
- Free Online Banking/Bill Pay
- Free 24-Hour Telephone Banking
- Discount on Safe Deposit Box Rental
- Merchant Services
- Night Deposit Services
- Overdraft Privilege Available (some restrictions apply)
- Monthly Statements with check images
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Business Checking
Ideal for business clients that require more transactions
per month but want an alternative to analysis checking
- Open with $200.00
- Up to 200 checks per month and 500 total items per
month with no charge ($.20 per each item over)
- $2,500 minimum daily balance to avoid monthly service charge. If daily balance falls below $2,500, there is a monthly service charge of $10.00
- AFCB Business Check Card
- Up to a $7,500 Athens Federal “WhenUNeedIt”
- Line of Credit (subject to credit approval)
- AFCB Business Credit Card (subject to credit approval)
- Free 1st Order of Checks and Deposit Slips
- ACH Origination Services Available
- Free Online Banking/Bill Pay
- Free 24-Hour Telephone Banking
- Discount on Safe Deposit Box Rental
- Merchant Services
- Night Deposit Services
- Overdraft Privilege Available (some restrictions apply)
- Monthly Statements with check images
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Interest Bearing Accounts
Ideal for clients who maintain high balances, but still have
limited monthly transactions. Only Sole Proprietors,
DBA’s, and Non-Profits are eligible to earn interest.
- Open with $200.00
- Up to 200 checks per month and 500 total items per
month with no charge ($.20 per each item over).
- Maintain $2,500 daily balance for APY. If daily
balance falls below $2,500, there is a monthly service
charge of $10.00
- AFCB Business Check Card
- Up to a $2,500 Athens Federal “WhenUNeedIt”
line of credit (subject to credit approval)
- AFCB Business Credit Card (subject to
credit approval)
- Free 1st Order of Checks and Deposit Slips
(Introductory Package)
- Free Online Banking/Bill Pay
- Free 24-Hour Telephone Banking
- Discount on Safe Deposit Box Rental
- ACH Origination Services Available
(subject to credit approval)
- Merchant Services
- Night Deposit Services
- Overdraft Privilege Available
- Monthly Statement with check images
*Interest rates are variable and subject to change
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Business Money Market
- $5,000.00 minimum opening balance
- Tiered interest earned – higher balances earn more*
- Interest will be compounded monthly
- Maintain $5,000.00 daily balance to earn interest
and avoid $15.00 monthly service charge
- Limited to six (6) transactions per month
- Personalized checks at no charge
- Free Online banking
- Free 24 hour telephone banking
*Interest rates are variable and subject to change |
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Business Sweep Account
- Corporations and LLC’s may earn interest on a portion
of funds in their business checking account with
Athens Federal Business Sweep Account.
- All money swept out of the account each day to earn
interest is not FDIC insured; however, bank securities
are pledged against the account to ensure safety
and soundness.*
- Available to Corporation, LLC and other accounts not
eligible to earn interest.
- Funds in excess of established target balance are
swept to an overnight investment account each day
secured by the investments, which earn interest and
are returned to the transactional account the
following day.
*Interest rates are variable and subject to change |
Zero Balance Payroll Account
- Maximize your money by maintaining a zero balance
payroll account
- Payroll checks are presented against your payroll
account and money is swept automatically from the
general operation account to pay the check and then
the payroll account returns to zero.
- This allows you to track payroll transactions and have
additional funds to earn interest in your Business
Sweep Account.
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