Deposit Products

Specialty Checking Accounts

Classic Checking:

Checking Account for those 60+ years

• No minimum balance
• No monthly service fees
• Interest on balance of $1,000+
• Free Travelers Cheques
• Free checks at all times (Graystone only DUP or WAL Style)
• Free Internet Banking

Mortgage Checking:

Checking Account for customers with a mortgage account

• No minimum balance
• No monthly service fees
• Interest on balance of $1,000+
• Free Travelers Cheques
• First order (1 Box) of checks free (customer’s choice)
• Free Internet Banking

Graduate Checking:

Checking Account for high school juniors and seniors

• No minimum balance
• No monthly service fees
• Interest on balances of $1,000+
• Free Travelers Cheques
• First order (1Box) of checks free (customer’s choice)
• Free Internet Banking

Now Account:

Checking Account requires a $1,000+ minimum balance

• $1,000+ minimum balance to open account
• $15 monthly service fee if account falls below $1,000
• No per check fees
• Interest on balances of $1,000+
• Free Travelers Cheques
• Free Internet Banking

Grand Checking:

Checking Account to customers with deposit(s) of $10,000 on file

• No minimum balance
• No monthly service fees
• No per check fees
• Interest on balance of $1,000+
• Free Travelers Cheques
• First order (1 Box) of checks free (customer’s choice)
• Free Internet Banking

Regular Checking:

Checking Account for new customers

• $200+ to open account
• No minimum balance required
• Monthly service fees: If less than $500 balance a $5.00/mo charge. More or equal to $500 balance=no service charge (Tier based on average daily balance method).
• No Interest
• Free Travelers Cheques
• Free Internet Banking

Checkless Checking:

Checking Account for customers that want ATM/Debit Card usage with no checks

• $200+ to open account
• No minimum balance required
• Monthly service fees: If less than $500 balance a $5.00/mo charge. More or equal to $500 balance=no service charge (Tier based on average daily balance method).
• No interest
• Free Travelers Cheques
• ATM/Debit card
• ACH
• Electronic Transactions and Free Internet Banking

All specialty accounts have the capability of the ATM/Debit Card, ACH or Electronic transactions and free Internet Banking. Please call or e-mail the Savings Department for additional information.

Savings Accounts

View Savings Account Rates

FDIC Insured, $1.00 Minimum Deposit to Open, *Interest Bearing, Free Travelers Cheques. No Service Charges.

Money Market

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Earns Interest*, Minimum $1,000 to Open, No Service Charges. Free Internet Banking. Free Travelers Cheques.

*Interest Bearing Accounts: Interest is calculated by the daily balance method that applies a daily periodic rate to the balance in the account each day. Please contact us for tiers and rates.

Certificates of Deposit (CDs)

View Certificates of Deposit (CDs) Rates

Term certificates available from three months to a five-year term. A $500 minimum deposit is required to open. Early withdrawal penalties may apply. Please contact us for rates. FDIC Insured.

18-Month Step-up on CD’s: One Time Step-up on Like Accounts, During Term of CD.

1 year or 18 month Step-up CD'S

Individual Retirement Accounts (IRAs)

View Individual Retirement Accounts (IRAs) rates

Variable Rate IRA: 18-Month Term. Traditional, Roth and Coverdell Education Savings Accounts require a $500 minimum deposit to open. Please contact us for rates. FDIC Insured.

Fixed Rate IRA: 1 year, 2 year, 30 months, & 5 year Traditional, Roth and Coverdell Education Savings Accounts require a $500 minimum deposit to open. Please contact us for rates. FDIC Insured. No maintenance fees.

Savings Calculators

College-savings

Retirement-savings