Business Savings

Whether you need everyday reserves, higher earning potential, or protection for large balances, we offer options to support your strategy.
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Gulf Coast Bank & Trust Business Savings

Business Savings

Built for small to mid-size businesses with low balances and low transactions that want a full range of banking services.

  • Earns interest
  • Digital Business Banking1

  • Mobile Deposit1

  • Order Checks

  • Bill Pay and Stop Payments2

  • Internal and external funds transfer

Gulf Coast Bank & Trust Business Money Market

Best Money Market

Solution for businesses looking for a savings option that offers the convenience of writing checks.3

  • Earns interest

  • Digital Business Banking1

  • Mobile Deposit1

  • Order Checks

  • Bill Pay and Stop Payments2

  • Internal and external funds transfer

Gulf Coast Bank & Trust Certificates of Deposit

Certificates of Deposits (CDs)

Your money grows with the power of interest and time.

  • Fixed terms of your choice from 90 days all the way to 7 years

  • Upon the maturity date, either withdraw your funds or reinvest them in a new interest-bearing CD account

Why choose Gulf Coast business savings

Secure place for excess funds
Protect your business reserves while keeping them available for future needs.
Options for different balance levels
Choose from accounts designed for modest savings or substantial cash holdings.
Digital access and transfers
Move funds, monitor balances, and manage savings anytime through online and mobile banking.
Local guidance and support
Work with bankers who understand your business goals and cash management needs.
Gulf Coast Bank Business Banking

Compare accounts

Review features side by side to find the right option for your reserves and growth strategy.

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Business Savings Business Money Market Certificates of Deposit (CDs)
Purpose
What the account is designed for
 Everyday reserves and short-term savings Higher earnings with flexible access Fixed-term growth for idle funds
Interest earnings
How balances generate returns
 Earns interest Higher interest potential Fixed interest rate
Access to funds
How easily money can be withdrawn
 Flexible access Flexible access Locked for term
Minimum balance requirement
Balance needed to open or maintain
 Low minimum balance Moderate minimum balance Minimum balance required
Term requirement
Whether funds are committed for a period
 None None Fixed term required
Insurance coverage
FDIC protection levels
 Standard FDIC coverage limits Standard FDIC coverage limits Standard FDIC coverage limits

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Choose what you’d like to do and we’ll take you there.

1Digital Business Banking, Digital Corporate Banking, and Mobile Deposit: Gulf Coast Bank & Trust Company ("GCBT") does not charge a fee for using Digital Business Banking, Digital Corporate Banking, or Mobile Deposit. Mobile Deposit is available through the Gulf Coast Bank Digital App. Message and data charges from your provider may apply.

2Bill Pay and Stop Payments: Bill Pay and Stop Payment available within Digital Business Banking. Message and data rates may apply to access Digital Business Banking.

3Money Market: A fee of $10.00 per debit/withdrawal transaction, excluding ATM transactions, in excess of six (6) per month will be assessed.

Paper Statement Fee: All Savings Accounts must enroll in eStatements to avoid the monthly paper statement fee of $4.85.

Additional Information: The contents of the page are informational only. To qualify for a deposit account at GCBT additional requirements must be met. All accounts are subject to approval. Additional fees (See Fee Disclosure) and restrictions may apply. The terms of all accounts are subject to change, including fees, rates, or features. Contact your local banker for current rate information and additional details.

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