In today's competitive business environment profitability depends on a wise use of resources. Managing a company's financial portfolio can be complex and time-consuming. That's where we can help. We have the expertise and tools to help you take advantage of technology and systems so you can focus on growing your business.

Managing your business can be hard. Banking shouldn't be. Let us show you how easy banking can be with a complete line of products and services designed to meet the needs of your business..Business Solutions from Habersham Bank.

Business Checking

You need a business checking account that makes banking simple. Whether your business is small or large, you can enjoy the convenience of a no-hassle checking account that can grow with your business.

• Required opening balance of $500
• No service charge if a $500 minimum balance is maintained
• No transaction charges
• 24-hour telephone access to account information
• Internet banking allows you to manage your account 24 hours a day / 7 days a week
• Overdraft protection available (if qualified)

Business Analysis Account

The analysis account is designed for corporate customers of any size that have a significant number of transactions each month. An earnings credit based on your account balance lets your money work harder for you

• Balances maintained create an earnings credit to offset monthly service charge
• Service charges are calculated according to an analysis of monthly account activity
• Provides detailed account information on transactions and balances

Business Money Market Account

This interest-bearing account is designed for businesses that need a higher return on cash while still maintaining liquidity and easy access

• Required opening balance of $5,000
• No service charge if a $5,000 minimum balance is maintained
• Monthly service charge of $12.50 for balances from 0 – $4,999
• Interest-bearing account earning current money market rates
  
• Limited check-writing capability
• Checks, preauthorized withdrawals, automatic transfers or telephone orders exceeding three per month are $5.00 each

Sweep Account

A commercial sweep account is a smarter way to manage your money for maximum earnings potential. This account is a great way to earn interest on idle funds while still maintaining liquidity

• Funds automatically transfer from your business account into an appropriate investment*
• Flexibility to choose the target balance you wish to maintain in your account on a daily basis

* Any funds placed in investments for a sweep account are not deposits of the bank, are not insured by the Federal Deposit Insurance Corporation (FDIC), are not guaranteed in any way by the United States or any of its agencies, are not a money market fund, are not placed in any money market certificate and are subject to investment risks, including possible loss of principal invested.

ACH

As a participating bank in the Automated Clearing House system, Habersham Bank can accommodate all of the funds transfer needs of your business. Examples of ACH transactions that we originate include:

• Direct deposit of payroll
• Pre-authorized drafts
• State and federal tax payments

Habersham Bank also originates and receives corporate ACH transactions for trade settlement purposes, in both the CCD+ and CTX formats.

Reconcilement Services

We offer a complete line of traditional reconcilement services to save time and reduce costly errors. Reconcilement services include:

• List of checks paid in check number order
• Database of checks paid in Excel format
• Full reconcilement that matches checks paid against checks issued to enable reporting of outstanding checks and exceptions

Payroll Services

Habersham Bank has partnered with an established payroll service provider that can meet all of your payroll needs.

• User-friendly payroll software
• Excellent customer service
• Up-to-date legal compliance for payroll-related issues

You need easy access to your bank accounts, but you want to know that your account information is safe and secure. Welcome to Secure Access, a great line-up of free banking services that are safe, secure and available 24/7. Choose one Secure Access option or use all of them.

Convenience + Peace of Mind = Secure Access from Habersham Bank

• Secure Online Banking: The all-in-one electronic banking resource that allows you to bank from any computer with internet access. Internet banking gives you access to your account information, transaction inquiries, transfers between accounts, bill payment options and more. Do your banking when it's convenient for you..24 hours a day, 7 days a week.


• Secure Banking by Phone (DIAL): The DIAL telephone banking system allows you to access your accounts 24/7 from any touch-tone phone. By dialing the toll-free number and using your personal access code, you can check account balances, transfer funds, make loan payments, pay bills and more.