Business Checking and Money Market Accounts

All Checking Accounts listed below get a FREE “No Monthly Charge” Debit Card.

Small Business Checking
Ideal for small businesses, start-up businesses, and home-based businesses - although any business can qualify. Helps keep overhead costs low.

  • 750 FREE monthly transactions*
  • No minimum balance
  • No monthly service charge
  • FREE online banking
  • FREE online bill pay
  • FREE telephone banking
  • Currency & coin: first $10,000 free; $1 per thousand over $10,000
  • Only $100 opening deposit

Business Checking with Interest
Only sole proprietorships, non-profit organizations and government units are eligible to earn interest on checking balances because of federal banking laws. Here's the perfect account for them.

  • 150 FREE monthly transactions*
  • Over 150: 12 per transaction*
  • Pays interest on balances of $1,000 or more - for current rates call us at (478) 237-6619
  • $1,000 minimum daily balance or $10 monthly charge
  • FREE online banking
  • FREE online bill pay
  • FREE telephone banking
  • Currency & coin: $1 per $1,000
  • Only $100 opening deposit

Commercial Analysis Checking
This account provides the information your accountants need for complete business cash analysis. Service charges are based on the account activity and deposit balances. Earnings credit can offset the per-item transaction fees.

  • 12 per transaction*
  • Earnings credit allowance may offset transaction fees
  • $2,500 minimum daily balance or $15 monthly fee
  • FREE online banking
  • FREE online bill pay
  • FREE telephone banking
  • Currency & coin: $1 per $1,000
  • Only $100 opening deposit

Ultimate Business Money Market
Your business can take advantage of the same type of money market account we offer to individuals. This one also pays higher interest rates for larger balances.

  • Tiered interest rates - for current rates call us at (478) 237-6619
  • $2,500 minimum balance to avoid $10 monthly service charge
  • Unlimited free in-person withdrawals
  • 6 free debits per month
  • $5 per debit over 6 per month
  • $2,500 to open account

*Transactions include debits, credits, and items deposited.

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Spivey State Bank
211 North Main Street
Swainsboro, GA 30401
Phone: (478) 237-6619 || Fax:  (478) 237-4887
Customer Service Center: (877) 753-9224
Lost Debit Card: (800) 554-8969