Gilchrist County's four (4) brick-and-mortar FDIC-insured commercial bank branches—spanning every incorporated municipality in the county across two state and national banking charters: (1) Capital City Bank (FDIC Certificate #9622, ABA Routing #063100688, Capital City Bank Group, Inc. Florida Sunbiz Document #G75579, founded in 1895), which operates three full-service Gilchrist County branches at 109 West Wade Street (SR-26), Trenton, FL 32693 ((352) 463-2329 / (352) 580-4067, blocks from the Gilchrist County Courthouse), 690 South Main Street (US Highway 129), Bell, FL 32619 ((352) 463-7660 / (352) 580-4080, the sole brick-and-mortar financial institution in northern Gilchrist County), and 7240 SW US Highway 19, Fanning Springs, FL 32693 ((352) 463-6537, at the Suwannee River gateway); and (2) Seacoast National Bank — Trenton Branch at 1502 East Wade Street (SR-26), Trenton, FL 32693 ((352) 463-3010, FDIC Certificate #109, OCC Charter #21759, Seacoast Banking Corporation of Florida Sunbiz Document #G19230—continuing the local Suwannee Valley banking heritage of Chiefland-founded Drummond Community Bank, historical FDIC Certificate #27583). Together, these four in-county depository branches serve Gilchrist County's 19,040 residents with FDIC-insured Traditional and Roth Individual Retirement Account (IRA) Certificates of Deposit (CDs) (insured up to $250,000 separately from regular deposit accounts), Florida Retirement System (FRS) DROP lump-sum deposit sweeps, agricultural, dairy, and timberland estate liquidity reserves, non-interest-bearing Qualified Income Trust (Miller Trust) checking accounts required for Florida SMMC Long-Term Care Medicaid eligibility, 8th Judicial Circuit court-restricted probate estate and guardianship accounts, safe deposit boxes for original wills and property deeds, and in-branch notary services.