Cash Management

ACH Origination

Electronic Federal Tax Payment System
Electronic Federal Tax
Payment System

Commercial Banking

As a community business, we realize that the vitality of the Shoals relies on the success of other local businesses; businesses that employ residents, pay taxes, and contribute to the local economy. That is why we have specially designed products and services to fulfill your specific needs.

Our Small Business “GO” (Great Opportunities) Account is perfect for the small business owner who doesn’t want the expense of a commercial account, but needs the convenience of a checking account. The account only requires $100 deposit to open and there is no minimum balance after opening. The best part is that the account is FREE so long as no more than 325 items are processed through the account in one calendar month. By the way, you also get free Commercial Online Access to view your account and a $50.00 credit on your first order of checks. Click on the Checking & Savings menu to the left to learn more about our other deposit accounts.

Experience the benefits of our Commercial Advantage business products! We have experienced commercial lenders who can guide you through the complex details of financing a business, a Business Development Department devoted solely to providing you with the tools and information you need to effectively operate your business, and the technology to make it all easier. Explore our Commercial Advantage menu to the left to learn more about our commercial products and services.

If you can’t find what you’re looking for here, we ask you to contact our Business Development Department at 256-386-0600. We value your input and use your feedback to develop the tools you need to manage your business finances.