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 $2,500 must be maintained in the checking account and a $50,000 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 $25 monthly service fee will apply and rebates of Non-GSB ATM Activity Charges will be forfeited.

3. 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.

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.

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.