Personal Services

ATM / CheckCard

As a Brand Bank customer, you will enjoy the convenience of worldwide accessibility to your money. Just look for the following logos: MASTERCARD, VISA, DISCOVER, AMERICAN EXPRESS, PULSE, CIRRUS and PLUS. Our customers pay no service fee for withdrawals at any ATM. If you use another bank's ATM, you will incur their fee, but not an additional fee from Brand Bank. For your safety, our ATMs are either drive-up or located in well lit areas.

• 24-hour access
• Secured by Personal Identification Number
• Convenient ATM Locations

Brand Bill Pay

No envelopes. No stamps. No problem. Brand Bill Pay allows you to pay all of your bills online. Eliminate additional postage and check printing charges! Brand Bill Pay is available to consumers and businesses. With Brand Bill Pay you can:

• Pay your bills anytime day or night
• Set up recurring payments to be made automatically
• Receive e-bills electronically from leading merchants, nationwide
• Click here to enroll.

Direct Deposit

For added convenience, you can have your payroll or other credit items directly deposited to your account through ACH. You may also allow third parties to directly deduct payments from your account; for example insurance drafts, mortgages, etc.

Info 24

Anytime, day or night. Get the information you need about your account from "Info 24", our automated account information service. If you need immediate access to your account, simply call 770-277-8500.

• Convenient 24-hour access to account information
• Personal Identification Number required to access information
• Current balances available for checking, savings, loans and certificates of deposit
• Deposit, withdrawal and transaction history available
• Transfer funds between accounts

Internet Banking

Our bank is open around the clock. Reconcile your accounts and transfer funds at a time that works for you. It's fast, easy and secure.

• Check account balances
• Account reconciliation
• Transfer money
• Make loan payments
• Email access to bank personnel
• Check images- front and back
• No fee for basic internet banking services

Overdraft Protection Services

Overdraft Protection Plan
Need a little peace of mind? We can link your Checking account to a Savings or a Money Market account to cover overdrafts. This is an inexpensive way to cover overdrafts and avoid charges from retailers for returned checks.

• All overdraft items for the day are added together into one total.
• One transfer is made from the linked account to cover the total amount of overdraft for the day.
• One $5 fee is assessed for the Overdraft Protection Transfer.

Standard Overdraft Service-Overdraft Privilege (ODP)
Have you ever made an honest mistake in your checking account or had an unforeseen expense? ODP allows you the flexibility and convenience of knowing that Brand Bank will automatically pay overdrafts on your checking account up to $800.  After meeting the following eligibility requirements, the account will be automatically enrolled in ODP service.

• $400 in deposits during the first 30 days.
• No NSF items during the first 30 days.
• If the account fails to meet the requirements during the first 30 days, the account is re-evaluated after the next 30 day period.
• At the end of the second 30 day period, if the account does not qualify, the account becomes ineligible for the service.

Once the account qualifies for ODP, Brand Bank will pay overdrafts up to $800 on the following types of transactions. We will charge you an overdraft fee of $30 for each item paid.

• Checks
• Automatic bill payments (ACH)

Brand Bank will also pay overdrafts up to $800 on the following types of transactions if you ask us to. We will charge you an overdraft fee of $30 for each item paid.

• ATM transactions
• Everyday (one time) debit card transactions                                                                

Can I have Overdraft Protection and Standard Overdraft Service (ODP) on the same account?
The answer is Yes.  Overdraft Protection will pay first and then ODP will pay if there is not enough in the account tied to Overdraft Protection to cover the transactions.

Safe Deposit Boxes

All Brand Bank locations can serve you with a wide range of Safe Deposit Box sizes. Your privacy is ensured through closely monitored box access. Protect important documents, heirlooms or other items in our safekeeping facility. Safe Deposit Boxes are rented on an annual basis.

Wire Transfer Services

When you need to send money to another financial institution, you can use our wire transfer services. It's quick and easy. Both incoming and outgoing wire services are available through the online system of the Federal Reserve Bank, Fedline.