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Rates for Georgia Branches

All rates effective 11-20-2014

CERTIFICATES OF DEPOSIT (CD)
Term Interest Rate Annual Percentage Yield Interest Compounded Interest Credited Minimum Required to Open and Earn APY
6 Month 0.02% 0.02% None At Maturity $1,000
1 Year 0.02% 0.02% Quarterly Quarterly $1,000
Savings for the Future
1 Year CD*
0.02% 0.02% Quarterly Quarterly $25
2 Year 0.10% 0.10% Quarterly Quarterly $1,000
3 Year 0.12% 0.12% Quarterly Quarterly $1,000
5 Year 0.15% 0.15% Quarterly Quarterly $1,000

An early withdrawal penalty is imposed on withdrawals of principal prior to maturity.
*Personal accounts only.
FDIC Insured.

CHECKING ACCOUNTS
Account Interest Rate Annual Percentage Yield Daily Minimum Required to Earn APY Interest Compounded/Credited Features
Free & Easy Checking** N/A N/A N/A N/A Minimum to open is $25. No minimum balance to maintain the account. No monthly service fee, no per check charge, free first starter check order.*
Relationship Checking** N/A N/A N/A N/A Minimum to open is $25. No minimum balance to maintain the account. Monthly service fee is $10. Personal accounts only.
50 Plus** 0.01% 0.01% $0 Monthly Minimum to open is $25. No minimum blanace to maintain the account. No monthly service fee, no per check charge, free wallet specialties checks.* Must be 50 or older.
Health Savings Account 0.01% 0.01% $0 Monthly Minimum Balance to open is $100. No minimum balance to maintain the account. No monthly service fee, no per check charge, free first 50 special HSA check order.* The Health Savings Account (HSA) is designated for covering medical expenses. See branch for details.
Gold Checking***

0.01%

0.03%

0.03%

0.01%

0.03%

0.03%

$0

$2,400

$10,000

Monthly

Monthly

Monthly

Minimum balance to open is $100. Unlimited service charge free ATM transactions (ATM owner usage fee may apply). Free money orders and overdraft protection transfers (system generated). Free wallet specialties checks.* Monthly service fee of $18 if average monthly combined balance in Tax Reporting owner's checking, savings, CD, money market or IRA accounts falls below $10,000. Personal accounts only.

The interest rate and APY are subject to change after the account is opened. Fees could reduce earnings. Personal accounts only.
*Customer pays for shipping, handling and applicable taxes.
**A dormancy fee of $5 per month is charged if there is no account activity for 8 months or more.
***A $15 monthly inactivity fee will be charged if there is no activity for 60 days or more.
FDIC Insured

SAVINGS AND MONEY MARKET ACCOUNTS
Account Interest Rate Annual Percentage Yield Daily Minimum Required To Earn APY Interest Compounded/ Credited Minimum Required to Open/Avoid Fees
Regular Savings* 0.01% 0.01% $25 Monthly $25/$25
Kids Club Savings 0.01% 0.01% $10 Monthly

$10/$0 (under 21 years of age)**

$10/$25 (21 years of age and older)**

IRA Savings 0.05%
0.03%
0.05%
0.03%
$1,000
$250
Monthly $1,000/$0
Ultimate Money Market***

0.05%
0.05%
0.03%
0.03%
0.01%
0.01%

0.05%
0.05%
0.03%
0.03%
0.01%
0.01%
$100,000
$50,000
$25,000
$10,000
$2,500
$0
Monthly $2,500/$500

The interest rate and APY are subject to change after the account is opened. Fees could reduce earnings.
 
*A monthly fee of $5 is charged if the daily balance falls below $25.**When the primary owner is 21 years of age, a monthly fee of $5 is charged if the daily balance falls below $25.***The minimum to avoid fees is $500 average balance. If the average balance falls below $500 there will be a monthly fee of $10.
Personal accounts only.
FDIC Insured.
 

BUSINESS ACCOUNTS
Account Interest Rate Annual Percentage Yield Daily Minimum Required to Earn APY Interest Compounded/ Credited Minimum Required to Open/ Avoid Fees
Regular Business
Savings*
0.03% 0.03% $250 Monthly $100/$100
Business Ultimate
Money Market**

0.05%
0.05%
0.03%
0.03%
0.01%
0.01%

0.05%
0.05%
0.03%
0.03%
0.01%
0.01%
$100,000
$50,000
$25,000
$10,000
$2,500
$0
Monthly $2,500/$500
IOLTA Checking 0.01% 0.01% $0 Monthly $50/$0

The interest rate and APY are subject to change after the account is opened. Fees could reduce earnings. *A monthly fee of $5 is charged if the daily balance falls below $100. **The minimum to avoid fees is $500 average balance. If the average balance falls below $500, there will be a monthly fee of $10. FDIC Insured.

ACCOUNT FEATURES
Totally Free* Business Checking Minimum balance to open account is $100.
No minimum balance requirement.
No monthly service fee.
No transaction fees per statement.
Basic Business Checking Minimum balance to open account is $100.
No minimum balance requirement.
No monthly service fee.
50 FREE transactons per statement
Over 50 transactions $.20 each per statement.
Commercial Checking Minimum balance to open account is $100.
No minimum balance requirement.
Monthly service fee is $12 (regardless of balance).
Per transaction fee $.15 each.
Earnings Credit can offset fees charged.
IOLTA Checking Minimum to open account is $50.
No minimum balance, monthly service fee or per check charge.
All interest paid on this account, less any service charges or fees, will be submitted annually to the appropriate agency.

*For each Totally Free Business Checking account opened, one of the following BestBank products must be open and active to qualify: Personal Checking, Personal or Business Money Market, Certificate of Deposit, Credit Card or Auto Loan, Mortgage Loan, Equity Loan/Line of Credit, Business Loan or Line of Credit. If the additional account is closed, your checking will be transferred to another BestBank Business Checking product where balance and transaction fees may apply. Customer purchases checks. Fees for services, such as cash/coin orders still apply, refer to fee listing. BestBank reserves the right to transfer the account to our Commercial Checking if the account has excessive transactions in relation to balances. 

For any other terms and conditions of your account refer to our Deposit Disclosure and Account Disclosure.

The rates advertised on this page are for the Georgia office of BestBank. Call or visit your local BestBank office, as specials vary by branch.

For more detailed information on any of BestBank's accounts or for information on opening an account, please contact our Customer Service Center at:

1-800-235-4636 or
E-mail us at
 customer.service@gbmail.com

For information about FDIC insurance coverage, visit www.fdic.gov.

IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT

To help the government fight the funding of terrorist and money laundering activities, Federal law requires all financial institutions to obtain, verify and record information that identifies each person who opens an account.

What this means for you: When you open an account, we will ask you for your name, address, date of birth, taxpayer identification number and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents.



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