Guide to Banks in Georgia

Find a Georgia bank that's right for your company

By Shannon Tani

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You cannot do business without a bank, and banks in Georgia are ready to do business with you.

Georgia banks serve a variety of needs for businesses and consumers. Most commercial banks in Georgia offer special services for business owners. They may allow you to process credit cards and receive the funds directly into your account. They allow you to pay your bills and collect payments. Your Georgia bank can probably even help you out with a business loan.

Consider the following when looking for a bank in Georgia:

Do you prefer to do your banking remotely or in person? Some banks charge a small fee to do business with a teller.
What services are you looking for in Georgia banks? Each bank offers a wide variety of services. You need to determine which bank best fits your needs.
Will you be traveling or doing business out of state? Some banks charge a fee when you use an ATM machine that is not theirs.

Action Steps
The best contacts and resources to help you get it done

Find out if your bank has branches in Georgia

To avoid leaning on credit cards or getting hit with ATM fees while traveling in Georgia, plan ahead.

I recommend: Bank of America has over 800 branches throughout the state, and offer special services for business owners. Wachovia is also well represented throughout Georgia.

Use the online banking offered by commercial banks in Georgia to access your accounts from anywhere

Online banking is becoming increasingly popular. Using online banking, you can view your account transactions and even pay bills. Many business owners find this more convenient than banking in person.

I recommend: You can find online banking at most banks. Georgia Banking Center has an online service. So does the PatriotBank of Georgia. If you are interested in online banking, ask your bank if they provide this service.

Show Georgia pride by using local banks

Many people prefer the level of service provided by small Georgia banks. The tellers are friendly and will get to know you by name. Choose a local Georgia bank if you prefer to do your banking business in person.

I recommend: Georgia Bank and Trust offers specialized business banking services, including loans, savings accounts, and business checking. The Peach State Bank and Trust covers the gumut, as well, including money market accounts tailored to the needs of small businesses.

Tips & Tactics
Helpful advice for making the most of this Guide

Always make sure that you understand the fees associated with your account when you do your banking in Georgia. Small hidden fees can quickly add up. You need to make sure that you have the correct level of account for the amount of business you do. Your bank account representative can help you choose the account level that's right for you.
Consider using the automatic bill pay option if your bank offers it. This can save you time in paying recurring monthly bills, such as utilities or a mortgage.

The official source of Banks in Georgia is the Banks in Georgia page at Business.com

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