Whether you're looking for free checking or exclusive benefits, you'll find an account that fits your needs.
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FEATURES
No ATM fees, preferred rates & great free services.Earn interest on your money & never pay an ATM fee.3 rebated ATM fees & free mobile banking.Free debit card, E-line, E-Pay & Online Statements.

Interest Bearing Account

  

Preferred Deposit Rates

Best Good N/A N/A

Rebates of Non-GSB ATM Activity Charges

Unlimited Unlimited 3 per calendar month N/A
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CONVENIENCE
Free Visa Debit Card7
Free E-Line
Free Online Statements
Free Mobile & Text Message Banking1
Free Overdraft Protection Transfers from Savings    
ADDED BENEFITS
Readyline Membership Fee- First Year Free6  
Free Notary Service   
Free Portfolio Review with GSB Wealth Management4,5  
Free Paper Statements   
Free Small Safe Deposit Box   
Free Consultation with GSB Wealth Management4,5   
Free Signature Guarantee    
Free Checks Free Signature Checks or 50% discount toward design of choiceN/AN/A N/A
TERMS
Minimum Requirements to Avoid Monthly Service Fee $1,500 minimum balance $25,000 aggregate balance2 Qualifying Direct Deposit & Active use of Debit Card3 For ages 16-25 None
Monthly Service Fee $20.00 if below minimum requirements $15.00 if below minimum requirements None None

Consumer accounts only. $50 minimum opening deposit required for all accounts. Online statements are required for Simply Free Checking.

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

2. An average monthly minimum balance of $1,500 must be maintained in the checking account and a $25,000 average monthly 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.

3. 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.

4. 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.

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

6. Subject to credit approval.

7. Account holder must be 18 years of age or older to obtain a Visa Debit Card.

Account holders age 16-17 may instead obtain a GSB ATM Card.

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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