Connect With Us

Checking

FEATURES FOR ALL CHECKING ACCOUNTS

$100 Minimum Deposit to open
Free Internet Banking Available
Imaged Monthly Bank Statements
Electronic Statements Available

Small Business Checking

$10 Monthly Maintenance Fee (can be avoided by maintaining a $2,000 monthly average collected balance)
150 deposited items free ($0.30 per item in excess)
150 debited items free ($0.30 per item in excess)

Business Interest Checking

(For individuals, sole proprietorships, spouses operating unincorporated businesses, and non-profit organizations)
Tiered Interest Rate Structure
Interest compounded daily, credited monthly and paid on the collected balance;. No minimum balance required to earn interest.
$10 Monthly Maintenance Fee (can be avoided by maintaining a $1,500 minimum daily ledger balance or a $2,500 monthly average collected balance.) No minimum balance required to earn interest.
75 deposited items free ($0.15 per item in excess)
75 debited items free ($0.15 per item in excess)

Commercial Analyzed Checking

A monthly account analysis determines the monthly balance available to reduce or eliminate any maintenance fee or service charges. An earnings allowance, computed using the positive average collected balance, less a 10% reserve requirement, is used to offset analysis activity charges each month. This allowance is based on current market rates and is subject to change. The following criteria apply:
Non-interest bearing account
$12 monthly maintenance fee
$0.10 per deposited item
$0.12 per debited item
$0.25 per deposit

Non-Profit Checking

(For Non-Profit Organizations Only)
Tiered interest rate structure...interest will be compounded daily, credited monthly and paid on the collected balance. No minimum balance required to earn interest
$5 monthly maintenance fee can be avoided by maintaining a $500 minimum daily ledger balance or a $1,000 monthly average collected balance.
100 deposited items free ($0.15 per item in excess)
100 debited items free ($0.15 per item in excess)

Gulf Coast Community Bank is participating in FDIC’s Transaction Account Guarantee Program. Under this program, through December 31, 2012, all non-interest bearing transaction accounts are fully guaranteed by FDIC for the entire amount in the account. Coverage under the Transaction Account Guarantee Program is in addition to and separate from the coverage available under the FDIC’s general deposit insurance.

The term “non-interest bearing transaction account” includes a traditional checking account or demand deposit account on which the insured depository institution pays no interest. Under Bill 6398, interest bearing IOLTA (Interest on Lawyers Trust Accounts) are also fully insured under the TAG Program until December 31, 2012. It does NOT include traditional checking accounts, NOW accounts or demand deposit accounts that earn interest. To inquire about the TAGP insured accounts, contact a Gulf Coast Community Bank customer service representative.