Loans | Business Standard Checking | Business Money Market | Business Now

Business Banking

We offer business services that help free your time for more important things in life.

Loans

Community Bank of Smith County is dedicated to the growth and future development of Smith County and the other counties we serve. We offer an array of loans to service everyone from the sole proprietor to the multi-million dollar corporation employing hundreds.
If you are needing to buy new equipment, expand your present facility, or need cash to solve growth problems - Community Bank of Smith County is your answer. No matter what the need or the size of the request, we are here to respond. Local people making local decisions for local businesses. Contact info@communitybanksmithcounty.com or (615) 735-3990.

 

Checking Services

Business Standard Checking

• $100.00 Minimum opening deposit
• ATM Card/ Check card (must qualify) 
• No monthly service charge if average monthly balance is over $2,000.00 
  $10.00 service charge if average monthly balance is under $2,000.00 
• Unlimited check writing
• No per item charges 
• Free transactions at Community Bank of Smith County, Trousdale Bank & Trust, Dekalb Community Bank, and Wilson Bank and Trust ATMs 

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Business Money Market Account

• $100.00 Minimum opening deposit
• No monthly service fee
• Interest paid on account
• Monthly withdrawal limitations: 6 telephone transfers or pre-authorized withdrawals; 3 checks allowed- if over 3 are written, the per check charge is $1.00 
• Monthly statements 

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Business Now Account

• This type of account is only available to "Sole Proprietorships and Non-Profit Organizations.
• $100 minimum opening deposit
• Interest paid on account 
• No monthly service charge if average monthly balance is $2,000.00 or more 
• $10.00 monthly service charge if average monthly balance falls below $2,000.00
• Unlimited check writing
• Monthly statements
• ATM/ Check card (must qualify) 

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Other Services

Insurance

Investments

Automated Clearing House (ACH)

Increase security, reduce time and eliminate paperwork by using electronic payment and collection through the Automated Clearing House (ACH). ACH is an electronic means of transferring funds between parties instead of using checks or wire transfers.

ACH Benefits

• Cash management tool
• Convenience to employees with direct deposit
• Assurance of collected funds on predetermined dates
• Improved cash flow forecasting
• Control of Cash Assets
• Better investment opportunities from a central location
• Reduced need for more expensive wire transfers

ACH Services

• Direct Deposit- payroll, commission deposits
• Pre-authorized billing- monthly membership fees, association dues, subscription, tuition or pledge payments
• Cash management services- sweeps from accounts to other institutions

Contact  info@communitybankofsmithcounty.com for more information.

Merchant Credit Card Services

• Fully hometown owned and operated
• Competitive Rates
• Approval within 24 hours
• Complete installation and training services available
• Support: Electronic terminals; PC software; Touch tone paper transactions

Community Bank of Smith County serves all merchants, from small "Mom and Pop" businesses to Multi-Million Dollar Corporations with our philosophy... Home Town Touch with High Tech Delivery. Contact jhall@communitybankofsmithcounty.com