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It's Better Than FreeGenerations Gold

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Call Generations Gold® today!
Ask about Generations Gold®
at your local
Gulf Coast Bank location

1-800-428-6686
www.gengold.com

Personal Checking

As part of Gulf Coast Bank's commitment to customer service, we have entered relationships with certain third parties who may offer specific products or services to our customers. While we are pleased to have these products or services available to you, Gulf Coast Bank does not control or manage the products or services or the web site content, privacy or security policies of these third parties. We recommend that you review the products or services and the privacy and security policies of these third-party web sites.

Generations Gold Checking

Generations Gold is a benefits-packed checking account that helps you “Live Better For Less” by providing special discounts and cash rebates. Joining is easy. Simply open a Generations Gold Checking Account at any Gulf Coast Bank location.

  • ONLY $50.00 deposit to open
  • FREE 1st box of logo checks
  • UNLIMITED check writing
  • NO MINIMUM BALANCE required
  • FREE Online Banking
  • FREE Combined Statements upon request
  • FREE Direct Deposit
  • FREE InTouch Telephone Banking
  • FREE Notary Service
  • FREE Money Orders
  • $6.00 per year for GCB Debit Card
  • $2.00 per month for Bill Pay (1st 15 bills - 40 cents each additional bill)
  • $100.00 discount on mortgage closing costs upon request
  • $10.00 annual credit towards Safe Deposit Box rental (subject to availability)
  • $10.00 per month membership fee

Generations Gold Checking - For Seniors 55+

  • ONLY $50.00 deposit to open
  • FREE 1st box of logo checks
  • UNLIMITED check writing
  • NO MINIMUM BALANCE required
  • FREE Online Banking
  • FREE Combined Statements upon request
  • FREE Direct Deposit
  • FREE InTouch Telephone Banking
  • FREE Notary Service
  • FREE Money Orders
  • $6.00 per year for GCB Debit Card
  • $2.00 per month for Bill Pay (1st 15 bills - 40 cents each additional bill)
  • $100.00 discount on mortgage closing costs upon request
  • $10.00 annual credit towards Safe Deposit Box rental (subject to availability)
  • $5.00 per month membership fee

Generations Gold Smart Start Student Checking

  • ONLY $50.00 deposit to open
  • FREE 1st box of starter checks
  • UNLIMITED check writing
  • NO MINIMUM BALANCE required
  • FREE Online Banking
  • FREE Combined Statements upon request
  • FREE Direct Deposit
  • FREE InTouch Telephone Banking
  • FREE Notary Service
  • FREE Money Orders
  • $6.00 per year for GCB Debit Card
  • FREE Bill Pay (1st 15 bills - 40 cents each additional bill)
  • $100.00 discount on mortgage closing costs upon request
  • $10.00 annual credit towards Safe Deposit Box rental (subject to availability)
  • $3.00 per month membership fee

Personal Checking

Charges based on low balance below $200

below $200.00 - .......... $8.00
$200 - $399.99 .......... $6.00
$400 - $599.99 .......... $4.00
$600 - $799.99 .......... $2.00
over $800 .................. No Charge

Personal accounts have unlimited check writing. Minimum deposit to open $50.00.

NOW Accounts

  • Minimum opening deposit: $1,500
  • If balance falls below the required minimum balance of 1,500, interest will be forfeited for that month and a $10.00 service charge will be incurred.
  • 15 free debits, 15 cents per debit after 15.
  • For-profit organizations such as corporations & partnerships are ineligible for NOW accounts.

Check with the bank for current rates.

Student Checking

  • Minimum deposit to open $50.00.
  • No Charge.
  • Must be renewed annually by student.
  • Unlimited transactions.

Senior Checking

  • 55 and over - No Charge.
  • Minimum deposit to open $50.00.
  • Unlimited transactions.
  • Must be requested.

Non-Profit Organizations

  • No Charge.
  • Must be requested.

Economy Checking

  • $2.50 per month regardless of balance.
  • 15 free transactions.
  • 40 cents for each transaction over 15.
  • Minimum deposit to open $50.00.

Overdraft Privilege

The Overdraft Privilege is offered to our customers to provide protection against having items returned in the event of occasional overdraft of your account due to errors or funds shortfalls. There is no additional charge for having this privilege on your account. You will receive written notification if the Overdraft Privilege is added to your account. If you participate in our Overdraft Privilege Program and would like to Opt Out, you may do so at any time and you can also revoke your previous Opt In at any time by contacting Customer Service at 337-893-7311.

  • Consumer $500 limit; Account open for at least 30 days
  • Business $1,000 limit; Account open for at least 60 days
  • Maintain the account in good standing;
  • Must bring the account to a positive balance within every 30 day period for a minimum of 24 hours
  • Must not be in default on any loan or obligation to Gulf Coast Bank
  • Must not be subject to any legal or administrative order or levy
  • An overdraft may not be paid if the negative balance on the account is greater than the overdraft privilege limit

DEBIT CARD & ATM TRANSACTIONS

New regulations became effective August 15, 2010 regarding ATM and one time Debit Card Transactions. If an overdraft results from a transaction at an ATM or from a one time Debit Card transaction, Gulf Coast Bank will not pay or impose a service charge in connection with the overdraft unless you have given us your consent or Opt In to the service and received written confirmation of your consent or Opt In from Gulf Coast Bank.

TIPS ON AVOIDING OVERDRAFTS

  • Review all statements and correspondence from GCB right away; Receiving e-Statements provides a quicker method for reviewing your transactions; Balance your account regularly; Post all transactions to a check register
  • Minimize ATM fees by using a GCB ATM whenever possible. Fees charged at foreign ATMs will reduce your available balance.
  • Enroll in Net Teller to be able monitor account balances 24/7
  • Set up “Geaux Dough” mobile banking for the capability of checking account balances and transferring funds between accounts from the convenience of your “smart phone”
  • Set up direct deposit for your government and payroll checks to have funds available to you immediately
  • Set up an Account Alert Service in online banking to receive an email when your account reaches a limit you advise

    CDARS (Certificate of Deposit Account Registry Service)

    Gulf Coast Bank offers a product that enables customers to deposit an excess of $250,000 and still receive full FDIC coverage.

    It is CDARS, which stands for certificate of Deposit Account Registry Service. There are various maturities ranging from 4 weeks to 5 years. The maturities can be laddered to give plenty of options for a maturity. Businesses of all sizes, all public funds, and all non-profits, for example, are some of the opportune clients of the CDARS product.

    With the CDARS product, Gulf Coast Bank can: provide customers with access to multi-million-dollar FDIC insurance on CD investments for the customers’ entire deposits through a single bank- Gulf Coast Bank; save customers time and effort; offer customers CD-level interest rates, which have historically favorably compared to Treasuries; and help customers’ money work for the local community.

    For example, a customer deposits $5 million with Gulf Coast Bank. GCB is a member of the Promontory Network. This means the $5 million deposit is divided into amounts under the standard FDIC insurance, which is currently at $250,000 until December 31, 2013, and allocated among other 21 U.S. Promontory Network banks -making the full amount of $5 million eligible for FDIC coverage. As a result, customers can access coverage from many institutions while working with only Gulf Coast Bank.

    Confidential information is protected and never shared with other Network members. Customers communicate only with the GCB local service team, and customers receive one consolidated statement from only GCB.

    This makes depositing large sums convenient. Customers manage one bank relationship, earn one rate per maturity on their investments and receive one regular account statement.

    It’s also a community investment. The full value of money deposited using CDARS transactions will support lending opportunities in Acadiana community.

    The CDARS product may be right for a customer who worries about investment safety in general; has time management issues related to managing multiple relationships, signing multiple agreements, negotiating multiple rates, and consolidating multiple interest disbursements and statements; and wants the full value of the funds to support this area. A customer of CDARS with GCB would not have to worry about opening accounts at multiple banks, in multiple names to have access to the FDIC coverage; the full amount would be covered and be on one statement through GCB.

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