Business Accounts


  1. No Monthly Fee or Minimum Balance
  2. Unlimited Business Account Transactions
  3. No 2pm Cut Off Time for Deposits
  4. Night Depository
  5. Business Internet Banking / Bill Pay
  6. Free Business VISA Check Card


Each business account at Gulf States offers up to 5 different savings suffixes or sub-accounts to assist in the planning and saving for future expenses or other capital needs.

Business Money Market Savings includes Six Free Withdrawals per Month

Business Term Deposits (Certificates)

Business IRAs & Simplified Employee Plans (SEP)

A Simplified Employee Pension (SEP) Plan is a special retirement program by which employers can make tax-deductible contributions to the Individual Retirement Accounts (IRAs) of their eligible employees as a valuable employee benefit.

SEP’s have been of special interest to self-employed business owners, who can take advantage of the much greater contribution limits than are available with regular IRAs. And unlike traditional employer retirement plans, there is no extensive record-keeping, government filing or legal work required.

Current Yields


Gulf States offers the business owner the ability to accept credit and debit cards from their customers. Gulf States allows your business to accept VISA, Mastercard, Discover and American Express payments that are processed immediately and electronically deposited into your checking account. Even if you are currently offering this service to your customers, you may want to check out our pricing. For more information Merchant Services call (407) 831-8844 or email


Whether you have 3 employees or 300, Gulf States offers payroll services to the small business owner. It’s as easy as calling in the hours worked for each employee. We take care of issuing checks or direct deposit, calculating taxes and filing the appropriate reports. You just send a check…and the price of this may just convince you to make the change.
For more information call (407) 831-8844 or email


Gulf States offers a wide variety of commercial lines of insurance through Insurance Services of Central Florida. Visit the ISCF site for a full menu of services.

Your savings are federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. The National Credit Union Administration (NCUA) is a US Government Agency. Traditional and Roth IRAs (Individual Retirement Accounts) are insured up to $250,000 by the NCUA. We do business in accordance with the Federal Fair Housing Law and Equal Credit Opportunity Act.

Learn how to get the most protection for your deposits.