Business Accounts — Business Checking and Savings Checking and Savings Accounts to take your business to the next level Free Online Banking access Bill Pay Competitive rates AllBusiness Business Overdraft Protection There are times in life and business when you need a little extra help. In those unexpected situations when you are short on funds, Business Courtesy Pay may save you from merchant NSF fees, interruption of services, and the embarrassment and inconvenience associated with returned or declined items. You can choose one type of account coverage, or all three. Whatever works for you, works for us. Need a loan? Our Commercial Banking team has your back. Real Estate and ConstructionFlexible financing for your real estate needs. Learn more Lines of Credit and Visa Credit CardsConvenient business needs covered and flexible business purchases with a business credit card. Learn more Commercial Term and SBA LoansWith a Gesa Commercial Term Loan or an SBA loan, you can grow your business with term loans for larger, long-term expenditures. Learn more Notes and FeesVersatile and Analysis Checking *APY = Annual Percentage Yield. Rates, terms, and fees are subject to change Business Account Fees (PDF) To view the PDFs, you may need to download the free utility Adobe Reader. Savings for your business * APY = Annual Percentage Yield. Rates, terms, and fees are subject to change. Dividends on Business Savings are calculated using the daily balance method and are paid monthly. Rate may change after the account is opened. The minimum balance to open the Savings Account is $100.00 and you must maintain a minimum $100.00 in your account to avoid a service fee. A minimum daily balance of $500.00 in the account each day is necessary to earn the stated APY. Fees could reduce earnings on the account. APY is accurate as of 11/01/2021. Business Account Fees (PDF) Business Analysis Account Fees (PDF) To view the PDFs, you may need to download the free utility Adobe Reader. Certificate Accounts Minimum deposit balance must be maintained to earn APY and fees may reduce earnings on the account. Early withdrawal penalties will apply. Certificate rates are for a limited time only. APY is accurate as of 11/01/2021 and subject to change Business Account Fees (PDF) Business Analysis Account Fees (PDF) To view the PDFs, you may need to download the free utility Adobe Reader. Money Market Accounts Business Account Fees (PDF) Business Analysis Account Fees (PDF) To view the PDFs, you may need to download the free utility Adobe Reader.