Checking Accounts
Checking accounts tailored to your needs
At GNB, we don't believe in one-size-fits-all checking. We have options so you can choose the Personal Checking Account that fits YOU!
We provide our products and services in a safe, friendly and efficient manner. Whether you access your account electronically or in person, we think you will agree we are a very convenient option for your to fulfill your banking needs.
All GNB accounts offer Online Banking, Mobile Banking, Mobile Deposit, Debit Cards, Text Alerts, Automatic Transfers, Overdraft Protection, and FDIC Insurance.
Earn Cash Back on debit card purchases.
Rewards
- 3% cash back on debit card purchases
- Earn up to $10 cash back per cycle
- Nationwide ATM Fee refund up to $20 per cycle
Qualifications
- 1 ACH Direct Deposit OR 1 Mobile Deposit per statement cycle
- 20 settled debit card purchases per statement cycle
More Cash Back Details
- Minimum deposit to open: $50.00
- No monthly service charge
- Free eStatements (or pay $4 monthly fee to receive paper statements with images)
- No minimum balance to earn rewards
- Debit card with Fraud Protection
- Overdraft Protection
- ATM-processed transactions do not apply toward rewards
- ATM refund and reward will be posted on the last day of the statement cycle
Account Details
Make the most of your money with a higher interest rate.
Rewards
- 1.50% APY* on balances $10,000 and below
- .25% interest on portion of balance over $10,000
- .03 APY* (if qualifications are not met)
- Nationwide ATM Fee refund up to $20 per cycle
Qualifications
- 1 ACH Direct Deposit OR 1 Mobile Deposit per statement cycle
- 20 settled debit card purchases per statement cycle
More Interest Details
- Minimum deposit to open: $50.00
- No monthly service charge
- Free eStatements (or pay $4 monthly fee to receive paper statements with images)
- No minimum balance to earn rewards
- Debit card with Fraud Protection
- Overdraft Protection
- ATM-processed transactions do not apply toward rewards
- ATM refund and reward will be posted on the last day of the statement cycle
Account Details
Checking +
The value added account that pays you interest.
Benefits
- .05% APY* when qualifications are met
Qualifications
- Must maintain a minimum daily balance of $750 in the account to obtain the disclosed APY
Checking + Details
- Minimum deposit to open: $50
- Monthly fee of $5 will be imposed every statement cycle that the balance in the account falls below $500
- Free eStatements (or pay $4 monthly fee to receive paper statements with images)
- Debit card with Fraud Protection
- Overdraft Protection
Account Details
Student
More Cash Back
Checking
Banking starts here.
Earn Cash Back on debit card purchases.
Rewards
- 3% cash back on debit card purchases
- Earn up to $10 cash back per cycle
- Nationwide ATM Fee refund up to $20 per cycle
- 1 ACH Direct Deposit OR 1 Mobile Deposit per statement cycle
- 20 settled debit card purchases per statement cycle
ATM-processed transactions do not apply toward rewards. ATM refund and cash back will be posted on the last day of the statement cycle.
When you open a Student More Cash Back Checking Account and meet the qualifications each statement cycle, you earn Rewards!
Student More Cash Back Checking Details
- For students age 13-17
- No monthly service charge
- No minimum balance to earn rewards
- Free eStatements
- Mobile Deposit
- Debit card with $300 point-of-sale limit per day
- ATM withdrawal limit of $300 per day
- Debit card with Fraud Protection
- Overdraft Protection
- Automatic rollover to More Cash Back Checking on student's 18th birthday.
Account Opening Requirements
- Minimum deposit to open: $25.00
- Parent/Guardian must be co-owner*
- Social Security Card
- State or Student ID (if applicable)
*After student turns 18, parent/guardian may be removed from account with proper documentation.
Account Details
Account Details
Account Details
Account Details
Account Details
APY = Annual Percentage Yield. APY's accurate as of January 1, 2024. Fees could reduce earnings. Rates subject to change at any time without notice.
Overdraft Protection
The above accounts may qualify for "Bounce Protection". Our NSF fee for paid items of $30.00 will be charged for each overdraft created by check, in-person withdrawal, ATM withdrawal or other electronic means as applicable. All negative balances must be brought positive within 30 days. Whether your overdrafts will be paid is discretionary and we reserve the right not to pay.
Optional Overdraft Transfer: An automatic account transfer from your designated savings account may be set up to cover any transactions that would cause your checking account to become overdrawn. A transfer fee of $10.00 will be charged for each transfer. Transfers will be made in $50.00 increments. If there are not enough available funds in your savings account, your Bounce Protection will be used.
Optional Overdraft Transfer: An automatic account transfer from your designated savings account may be set up to cover any transactions that would cause your checking account to become overdrawn. A transfer fee of $10.00 will be charged for each transfer. Transfers will be made in $50.00 increments. If there are not enough available funds in your savings account, your Bounce Protection will be used.
Important Information About Procedures for Opening a New Account
To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account.
What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents.