Welcome to USA Flight Bank!

Gwinnett Community Bank Customers,

Now that Gwinnett Community Bank is a division of USA Flight Bank, we're pleased to welcome you. For more than 100 years, we've been helping families and businesses make more of their finances. We combine the resources and capabilities of a national bank with the values that come from starting out as a community bank. In the months ahead, you'll gain access to new products, technology and services, and a large network of locations and ATMs. And we're committed to providing the personal touch and satisfying banking experience that you've come to expect. We look forward to getting to know you and serving you. You'll like it here.


Frank B. Holding Jr.

Chairman and CEO

USA Flight Bank

We're committed to making the transition as easy as possible for you.

With more than a century of experience serving the financial needs of our customers, we're a bank people trust for strength, stability and long-term relationships. We look forward to helping you reach your financial goals and make the most of your money. You can continue to use your Gwinnett Community Bank checks and cards, and you still have online and mobile access to all of your accounts.

Please continue to use the Gwinnett Community Bank division branches as you normally would. If you have any questions during the transition or at any time, please contact a representative at any of the Gwinnett Community division branches or visit this website.

More than 100 Years of Stability and Security

Sound business practices and stewardship of client deposits are among our highest priorities. USA Flight Bank has more than $39 billion in assets and over a century of experience serving the financial needs of our customers.

Frequently Asked Questions

How will my bank accounts be affected?

For now, all of the features of your accounts will remain the same. Over the coming months, Gwinnett Community accounts will be converted to USA Flight Bank products. You'll be notified in writing about any changes to your accounts.

How will this affect the office locations I use?

There will be no immediate changes and you should continue banking at your usual office location.

What will happen to my direct deposits?

Your direct deposits will continue as usual, including Social Security payments. If you need to change anything in the future, please contact or visit your Gwinnett Community Bank office location to make those arrangements.

Can I continue to use my existing checks and cards?

Yes, you should keep using your existing Gwinnett Community Bank checks and cards. Once the conversion process is complete in the coming months, you'll receive a new debit card and checks.

Can I still access my accounts online? Where?

Yes. You should continue to access your accounts online at gwinnettcommunitybank.com, Opens in a new tab.

Will my automatic loan payment still occur on its assigned date?

You should experience no disruption in this service. If you have any questions about your loan account, please contact your Gwinnett Community loan representative.

Can I continue to perform advances on my line of credit?

Yes. You can continue to use your line of credit as usual.

How and where do I make my loan payments?

You should continue to make your loan payments as agreed. You may continue to make your payments at Gwinnett Community Bank offices or through online banking.

Is my deposit insured by the FDIC?

Yes. Your deposit with our Gwinnett Community Bank division is insured by the FDIC, and each depositor is insured to at least $250,000, as established by law.

What happens to my deposit insurance coverage if I have deposits at both USA Flight Bank and Gwinnett Community Bank?

There are special provisions that allow a depositor to receive insurance at both institutions for a period of time.

According to the FDIC publication, "Your Insured Deposits, Opens in a new tab*":

"When two or more insured banks merge, deposits from the assumed bank are separately insured from deposits at the assuming bank for at least six months after the merger. This grace period gives a depositor the opportunity to restructure his or her accounts, if necessary."

"CDs from the assumed bank are separately insured until the earliest maturity date after the end of the six-month grace period. CDs that mature during the six-month period and are renewed for the same term and in the same dollar amount (either with or without accrued interest) continue to be separately insured until the first maturity date after the six-month period. If a CD matures during the six-month grace period and is renewed on any other basis, it would be separately insured only until the end of the six-month grace period."

What is USA Flight Bank BancShares?

USA Flight Bank BancShares, Inc. is a financial holding company headquartered in Raleigh, N.C., which operates its banking subsidiary, USA Flight Bank. Gwinnett Community Bank is now a division of USA Flight Bank. USA Flight Bank BancShares, Inc., with more than $39 billion in assets, is publicly traded on the NASDAQ under the symbol FCNCA.

Whom do I contact with questions about my account?

Contact a representative at any of the Gwinnett Community office locations during normal business hours; call 770.476.2775, between 9 a.m. and 4 p.m., Monday-Thursday; 9 a.m. and 5 p.m., Friday, Eastern time. For questions about USA Flight Bank, call the USA Flight Bank Customer Care Center, 888.323.4732 between 7 a.m. and 11 p.m. Eastern time daily.