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Commercial Banking

Small Business Checking
  • Designed for customers with banking account transactions less than 300 items per statement cycle
  • Minimum Balance to Open $100.00
  • Minimum Balance to avoid a $15.00 Monthly Maintenance Fee
    (Daily $2,000 or $5,000 Average Monthly)
  • 300 items allowed per statement cycle
    (includes debits, credits, and deposited items)
  • Additional per Item Charges in excess of 300 per statement cycle are $0.15 per item
  • Free Online Banking with Bill Pay.
  • Free Business Debit Card
  • *NOTE* PLAN AHEAD. Traveling or irregular spending patterns may cause a block to be placed on your card.   In order to avoid a disruption to your account, please notify us in advance to set appropriate limits on your account. Please contact us at 1-352-368-3756 or
    e-mail us at retail@gatewaybankcfl.com.
  • Free Image Statements
Business Plus Checking
  • Minimum Balance to Open $2,500.00
  • Minimum Balance to avoid a $15.00 Monthly Maintenance Fee
    (Daily $2,500 or $5,000 Average Monthly)
  • Earns Interest on Daily Collected Account Balance
  • 300 items allowed per statement cycle
    (includes debits, credits, and deposited items)
  • Additional per Item Charges in excess of 300 per statement cycle are $0.15 per item
  • Free Online Banking with Bill Pay.
  • Free Image Statements
Business Community Checking
(Non-Profits & Government Organizations Only)
  • Minimum Balance to Open $100.00
  • No Required Minimum Average Balance
  • Free Online Banking
  • 125 Items per statement cycle
    (includes debits, credits and deposited items)
  • Additional per Item Charges in excess of 125 per statement cycle are $0.15 per item
  • Free Monthly Standard Text Statements
    or E-Mail Statements
    (Image Statement Available at additional charge)
  • Free Online Banking with Bill Pay
Commercial Checking (Analysis)
  • Designed for customers with banking account transactions in excess of 300 items per statement cycle
  • Minimum Balance to Open $100.00
  • No Required Minimum Average Balance
  • $15 Monthly Maintenance Fee
  • Per Transaction Charges are as follows:
    • $.13 per check/debit/credit
    • $.11 per deposits/POS credits
    • $.11 per deposited items
  • Service charges may be offset by Monthly Earnings Credit through account analysis
  • See Account Disclosures for full details on Earnings Credit Calculation and listing of all Applicable Service Charges and Analysis charges.
  • Free Image Statement
  • Free Online Banking with Bill Pay
Business Savings
  • Minimum Balance to Open $100.00
  • Minimum $300 Daily Balance to avoid Maintenance Fee
  • $5 Monthly Maintenance Fee if below the minimum balance requirement
  • $100 Minimum Daily Balance to earn interest
  • Transactions limited to six (6) transfers or withdrawals per quarter
  • A $5 service charge will be charged for each debit exceeding
    six (6).
  • Earns Interest on Daily Collected Account
    Balance Quarterly
  • Free Online Banking
  • Quarterly Statement
Business Money Market Investment
  • Minimum Balance to Open $100.00
  • Minimum Balance to avoid a $15.00 Monthly Maintenance Fee (Daily $2,500 or $5,000
    Average Monthly)
  • Transactions limited to six (6) debits or transfers by preauthorized or automatic transfers or telephone; per statement cycle.
  • A $7 service charge will be charged for each debit exceeding the six (6)
  • A Tiered Interest Rate Account earns higher rates of interest established by the bank based on tier levels;
    Levels are as follows:
    $ 0 - $ 4,999
    $ 5,000 - $ 24,999
    $ 25,000 - $ 99,999
    $100,000 - $499,999 o $500,000+
  • Earns Interest on Daily Collected Account Balance
  • Free Image Statement
Commercial Lending

The commercial lending staff at Gateway Bank of Central Florida has over 50 years of lending experience. The loan professionals possess strong commercial lending knowledge capable of structuring the right loan solution to your unique needs. Gateway Bank offers a wide spectrum of loan options, each delivered with prompt, professional, courteous service.

Let us help you with any of your loan needs.

Commercial Lenders

Email (For security purposes please refrain from sending confidential or personal information through the links below)

Ocala

Jay Musleh - Executive Vice-President/Senior Credit Officer
352-368-3756

Brian Cretul - Vice President/Commercial Lender
352-368-3756

Rusty Branson- President
352-368-3756

Michelle Stone - Vice President/Commercial Relationship Officer
352-368-3756

Gainesville

Danny Gilliland - Market President
352-416-0330

Darleen Morgan - Vice President/Commercial Relationship Officer
352-416-0330

Merchant Services

As a business owner, you know that credit and debit card acceptance is essential to the success of your business. It's convenient for your customers and efficient for you. Gateway Bank of Central Florida is dedicated to providing you with the most up-to-date technology, products and services.

We are proud to be one of the first banks in Marion County to offer Remote Capture to our business accounts. As a business customer you will be able to run checks through a tabletop scanner and they will be deposited into your account. Talk about convenience!

Courier Services

At Gateway Bank of Central Florida we understand how hectic life can be, so we are excited to offer a courier service to our customers. Our secure personal courier will come to your business on a daily, weekly or on an as needed basis. Please call 352-368-3756 to arrange for pick-up of your deposits.

Miscellaneous Fees & Service Charges

Gateway Bank Additional Services Offered
Internet Banking
Consumer:  
Online Banking (View Account/Transfer) Free
Online Bill Pay Free
Popmoney P2P (per transfer) $0.50

Commercial:
 
Online Banking (View Account/Transfer) Free
Online Bill Pay Free

ATM Surcharges:
 
At your request we will reimburse ATM fees that are charged by another bank up to $5.00 per statement cycle. Please notify us within 30 days of statement date.

Account Service Charges:
 
Early Closing Service Charge - within six (6) months of account opening $25.00
NSF item Paid/Returned
* (created by check, in-person or ATM withdrawals, or other electronic means)
$35.00
Uncollected Funds Paid/Returned
* (created by check, in-person or ATM withdrawals, or other electronic means)
$35.00
Stop Payment (per item) $35.00
Returned Item Cashed or Deposited (per item) $ 7.00
Dormant Account Service Charge per month (over 12 months without activity regardless of balance for Checking and MMK Accounts and over 24 months for Savings accounts) $10.00
Telephone Transfers (per transfer) $ 5.00
Image Statements $ 5.00
Deposit Correction per Item $ 5.00
ACH Unposted Correction (per correction) $10.00
Debit Card Free
Foreign Currency Exchange (per exchange) $30.00
Return Mail (per statement) $ 5.00
Duplicate Statements Charge
(per statement)
$ 6.00
Overdraft Fee (after five (5) consecutive business days) $ 6.00/
Business Day

Consignment Items:
 
Official Checks (per item) - Customers $ 7.00
International Drafts (issued in the Foreign Countries Domestic Currency) (per draft) $20.00

Currency Orders:
 
Coin $0.25 per roll
Currency $0.25 per strap

Legal:
 
Subpoenas $50 per hour;
$1.00 per page
Reclamation $75.00
Writ of Garnishment $75.00
IRS Levy $75.00

Miscellaneous Service Charges:
 
Zipper Bags: Not for Night Deposit Use (per bag) $ 5.00
Tamper Evident Plastic Bags (for Night Depository and Courier Use) $25.00 for
100 bags
Collections (Incoming / Outgoing) (per item) $25.00
Verification of Deposit (per Request) $ 5.00
Bond Redemption (per deposit) $20.00
Coupon Collection (per Envelope) $10.00

Research:
 
Statement Reconciliation $25.00 per hour
Research Request $25.00 per hour
Statement Copies/Snapshots $ 5.00 per statement
Check Copies $ 1.00 per item
Copies $ 2.00 per page
Fax Services $ 2.00 per page

Wire Transfers:
 
Incoming $10.00 each
Outgoing - Domestic $25.00 each
Outgoing - International $40.00 each

Safe Deposit Boxes:
 
3” x 5” $30.00 Annually
3” x 10” $40.00 Annually
5” x 10” $65.00 Annually
10” x 10” $100.00 Annually
Lost Key Cost
Drilling Fee Cost

Debit Cards
 
International service assessment fee for any MasterCard Debit Card PIN or signature based transaction will be charged.
The fee(s) will be defined and calculated as follows (Per Transaction):
Currency Conversion Assessment Fee (CCA) 0.20%
Cross-Border Assessment Fee (CBF) 0.80%

 



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