Addresses:

8077 Highway 178
Byhalia MS 38611
662-838-2146

P.O. Box 667
Byhalia MS 38611

business savings accounts

Business Money Market Account (Protection Plus)

Rate Information:  This Account is an interest bearing account.  The interest rate and annual percentage yield will depend upon the daily balance in the account as shown on the Rate Chart.  The interest rate and annual percentage yield may change.  At our discretion, we may change the interest rate on the account daily.  Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks).  Interest will be compounded monthly and will be credited to the account monthly.  If the account is closed before interest is credited, you will not receive the accrued interest.
 
Balance Information:  We use the daily balance method to calculate the interest on the account.  This method applies a daily periodic rate to the principal in the account each day. 
 
Limitations:  You must deposit $1,000.00 to open this account.  You may make six (6) transfers from your account each four (4) weeks or similar period, if by preauthorized or automatic transfer, or telephone (including data transmission) agreement, order or instruction.  Three (3) of these transfers may be made by check, draft, debit card or similar order (including POS transactions), made by the depositor and payable to third parties.  Transfers and withdrawals made in person, by messenger, by mail or at an ATM are unlimited.  After you have exceed three (3) checks to third parties, you will be assessed a $5.00 per check charge.
 
Account Fees:  A minimum balance fee of $10.00 will be imposed every month if the balance in your account falls below $1,000.00 any day of the month.

Business Best Rate Savings Account

Rate Information:  This account is an interest bearing account.  The interest rate and annual percentage yield will depend upon the daily balance in the account as shown on the Rate Chart.  The interest rate and annual percentage yield may change.  At our discretion, we may change the interest rate on the account daily.  Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks).  Interest will be compounded semi-annually and will be credited to the account semi-annually.  If the account is closed before interest is credited, you will not receive the accrued interest.
 
Balance Information:  We use the daily balance method to calculate the interest on the account.  This method applies a daily periodic rate to the principal in the account each day.
 
Limitations:  You must deposit $100.00 to open this account.  You may make six (6) transfers from your account each six (6) month statement cycle or similar period.  A fee of $3.00 will be charged per withdrawal in excess of six (6) for the statement cycle (semi-annually).
 
Account Fees:  A minimum balance fee of $5.00 will be imposed semi-annually if the balance in your account falls below $100 any day of the statement cycle (6 months).  Should the account be closed within 45 days of opening, a temporary account fee of $10.00 will be charged.

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