Whether you're looking for free checking or exclusive benefits, you'll find an account that fits your needs.
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FEATURES
The best rates and benefits we have to offer.No ATM fees, preferred rates & great free services.Earn interest on your money & never pay an ATM fee.Free debit card, Online & Mobile Banking, Bill Pay, and Online Statements
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Interest Bearing Account

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Preferred Deposit Rates

Best Better Good N/A
Icon Preferred Deposit Rates

Rebates of Non-GSB ATM Activity Charges

Unlimited Unlimited Unlimited Up to $15 per month
for ages 16-258
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CONVENIENCE
Free Visa Debit Card arrow right imagearrow right imagearrow right imagearrow right image
Free Online Banking arrow right imagearrow right imagearrow right imagearrow right image
Free Online Statements arrow right imagearrow right imagearrow right imagearrow right image
Free Mobile Banking1 arrow right imagearrow right imagearrow right imagearrow right image
Free Overdraft Protection Transfers from Savings arrow right imagearrow right image  
ADDED BENEFITS
Readyline Membership Fee- First Year Free7arrow right imagearrow right imagearrow right image 
Free Notary Service arrow right imagearrow right imagearrow right image 
Free Paper Statements arrow right imagearrow right imagearrow right image 
Free Small Safe Deposit Boxarrow right imagearrow right image  
Free Consultation with GSB Wealth Management5,6arrow right imagearrow right image  
Free Signature Guarantee arrow right imagearrow right image  
Free Checks Free Signature Checks or 50% discount toward design of choiceFree Signature Checks or 50% discount toward design of choiceN/AN/A
TERMS
Minimum Requirements to Avoid Monthly Service Fee $2,500 minimum balance $50,000 aggregate balance2 $1,500 minimum balance $25,000 aggregate balance3 Qualifying Direct Deposit & Active use of Debit Card4 Maintain monthly enrollment in Online Statements9
Monthly Service Fee $25.00 if below minimum requirements $20.00 if below minimum requirements $15.00 if below minimum requirements $5.00 if not enrolled in Online Statements

Consumer accounts only. $50 minimum opening deposit required for all accounts.

1. Message and data rates may apply from your wireless carrier. Not all wireless carriers supported.

2. An average daily minimum balance of $2,500 must be maintained in the checking account and a $50,000 average daily minimum aggregate balance (inclusive of the amount maintained in the checking account) must be maintained in consumer deposits, loans (lines of credit are measured as the amount outstanding and not the full line of credit) and/or wealth management accounts. If the minimum requirements are not met, a $25 monthly service fee will apply and rebates of Non-GSB ATM Activity Charges will be forfeited. Accounts must be open during the full account statement period to receive the rebates. Accounts closed prior to a full statement period will not be eligible for the ATM fee rebates.

3. An average daily minimum balance of $1,500 must be maintained in the checking account and a $25,000 average daily minimum aggregate balance (inclusive of the amount maintained in the checking account) must be maintained in consumer deposits, loans (excludes first mortgages; lines of credit are measured as the amount outstanding and not the full line of credit) and/or wealth management accounts. If the minimum requirements are not met, a $20 monthly service fee will apply and rebates of Non-GSB ATM Activity Charges will be forfeited. Accounts must be open during the full account statement period to receive the rebates. Accounts closed prior to a full statement period will not be eligible for the ATM fee rebates.

4. Qualifying Direct Deposit must exceed $250 from an unrelated third party such as payroll, social security or veterans' benefits and must occur monthly. Active use of Debit Card is defined as making one or more debit card purchases per month. If the minimum requirements are not met, a $15 monthly service fee will apply and rebates of Non-GSB ATM Activity Charges will be forfeited. Accounts must be open during the full account statement period to receive the rebates. Accounts closed prior to a full statement period will not be eligible for the ATM fee rebates.

5. GSB does not offer legal advice. You should seek specific advice regarding legal and tax matters from a qualified attorney. Products and services made available are not insured by the FDIC or any other agency of the United States and are not deposits or obligations of, nor guaranteed or insured by, any bank or bank affiliate. These products are subject to investment risk, including the possible loss of value.

6. GSB Wealth Management is a separate subsidiary of Guilford Savings Bank. GSB Wealth Management is a registered investment advisor.

7. Subject to credit approval.

8. Primary account holders age 16-25 that are enrolled in Online Statements will receive rebates of ATM fees of up to $15 per month. Accounts must be open during the full account statement period to receive the rebates. Accounts closed prior to a full statement period will not be eligible for the ATM fee rebates.

9. The monthly service fee will be waived by maintaining monthly enrollment in Online Statements.

PRODUCT SELECTOR TOOL

Need help deciding which account is right for you? Our Product Selector Tool helps you find the best match. By answering a few simple questions, we'll determine which account fits your unique goals.

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October 03, 2022,

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