The following products are available for business accounts:

Business Checking: Business Checking

• 24 hour telephone access to account information
• Overdraft protection if qualified
• Service charges can be avoided by meeting average collected daily balance requirements

Business Savings: Business IMMA Account

• Limited check writing capability
• Interest earned based on tiered rates
• Monthly fees based on account balances

Business Loans: Commercial Loan

• Provides financing for established small and medium size businesses
• Provides business advice relating to financing and help with proper financial structuring.
• Finance needs of business, such as: working capital, equipment, land and building (owner   occupied), acquisition of an existing business.

24-hour Banking

Internet Banking
There's no software to install, upgrade, maintain, or download. You can access your Habersham Bank accounts from any of your home PCs or from personal computers that are linked to the Internet. Click here for more information.

Bill Payment
Customers can pay bills from their Habersham Bank checking account. It only takes a few seconds to pay each bill and eliminates the need for stamps and addressing envelopes. They select the vendors you wish to pay, then give us the account number with that vendor and we will set them up. You can access the bill payment through internet banking (Personal and Business) or DIAL.

Automated Teller Machine (ATM) Cards
With an ATM card and a PIN, you can make deposits or withdrawals from ATM's. They can be used at ATM's with the STAR logo and at point of sale terminals with the STAR logo. ATM's are the most popular type of electronic delivery system used by bank customers today. They allow customers to conduct routine transactions, such as cash withdrawals, balance inquiries, and transfers. Available 24 hours a day. There is no ATM fee if you have a checking account with Habersham Bank.

MasterMoney ™ (debit card)
With a MasterMoney™ Debit Card from Habersham Bank, a customer can make purchases at any merchant location around the world that accepts MasterCard. You just present your Habersham Bank MasterMoney™ Debit Card, sign the reciept, and be on your way. Because MasterMoney™ Debit Cards are accepted just like credit cards, you don't need to use a personal identification number to make a purchase. Funds are drawn from your checking account so there is no interest or finance charges. Get quick cash at ATM's around the globe. Customers can use Habersham Bank MasterMoney™ Debit Card to obtain cash at H24 Bankers or STAR ATM's, as well as the MasterCard/Cirrus ATM Network locations throughout the country and the world.

Insurance

Advantage Insurers offers one-stop shopping for a full range of insurance. As a member of the Habersham Bank family, Advantage Insurers can customize the perfect insurance package for your family or business.

The independent agents at Advantage Insurers shop around and tailor a plan that will meet your individual needs. You recieve the best combination of competitive prices, maximum coverage and dedicated service.

Because we are independent, we are not beholden to any insurance carrier. That means you won't have to change agencies if your insurance and service needs change. That also means you'll have the most personal attention and dedicated service possible.

A member of Independent Insurance Agents of America, Advantage Insurers was established in 1997. Take advantage of extraordinary expertise from agents who average 15 years of experience!

Credit Cards

A Habersham Bank MasterCard and VISA credit card can be used to pay for anything purchased. With a Habersham Bank MasterCard and VISA, the customer has access to credit to wherever in the world they may travel.