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Please add authorized signers who also own 25% or more of the equity first.
Provide the following for one individual who has significant responsibility for managing the legal entity, such as:
How does Overdraft Protection work?
As long as you maintain your account in “good standing,” we may approve your overdraft items within your current available Overdraft Protection limit as a non-contractual courtesy.
For Overdraft Protection consideration, your account is in “good standing” if you:
Please note that the amount of the overdraft plus our paid item charge of $35 for each item will be deducted from your overdraft limit. If the item is returned, the returned item charge of $35 will be deducted from your account. No interest will be charged on the overdraft balance. Please refer to the customer overdraft policy for additional details.
What if I go beyond my Overdraft Protection limit?
Overdrafts above and beyond your established Overdraft Protection limit may result in checks or other items being returned to the payee. The returned item charge of $35 will be charged per item and assessed to your account. An OD/NSF notice will be sent to notify you of items paid and/or returned.
How quickly must I repay my Overdraft Protection?
You should make every attempt to bring your account to a positive end-of-day balance as soon as possible, and you must do so within 30 calendar days. If you are not able to do so, you will receive a letter from State Bank informing you that your Overdraft Protection limit has been suspended and additional items will be returned. Unless we advise you differently or you request this service be removed from your account, your limit will be made available to cover overdrafts again after you bring your account to a positive end-of-day balance.
How soon can I use my Overdraft Protection?
If you are a new customer, we will advise you one or more days after your account is opened that you may use the Overdraft Protection service. This is provided you have maintained satisfactory activity in the account, including regular deposits, consistent with our internal standards for new account types that may offer Overdraft Protection. Once you are notified and your Overdraft Protection limit is available to you, it may continue to be available provided you maintain the account in “good standing” as defined above.
How can I get help managing my account?
Ask your State Bank representative for advice on managing your checking account.
Please review our account disclosures and acknowledge your consent by checking the corresponding “I Agree” box(es):
Electronic Communication and eSignature Disclosure
Terms and Conditions of the Account
Business Account Disclosures
The billing address for the credit card being used must be the mailing address of the business.
Mail check to the following address:
State Bank and Trust Company
ATTN: Client Care-new accounts
1349 West Peachtree Street NW
Atlanta, GA 30309
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