Personal Checking

Personal Checking

Many of your daily financial tasks revolve around your checking account. That’s why Grand Bank is focused on offering exceptional value with low fees, free debit cards, and convenient Online and Mobile Banking.  Put your money to work for you.

  • • Competitive interest rates.
  • • Access to free Online Banking tools.
  • • Access to over 32,000 surcharge-free ATMS nationwide with the MoneyPass network.
  • • Free Mobile Banking and Mobile Deposit app.
  • Have a question or want more information? Please give us a call today at (601) 264-1467 or toll free (800) 300-1467 and our Customer Service Representatives will be happy to help you.

Free Checking
What’s better than a Free Checking account? Free Checking with lots of perks! This account is designed to serve our customers who want additional banking services without a monthly service charge.
• $50 minimum deposit to open.
• No monthly service charge.
• Non-interest bearing account.
• No minimum balance required.
• Unlimited check writing.
• No per check charge.
• Personal accounts only.
• Free ATM card with account.
• Free Online Banking and Mobile Banking tools.
• Debit card available upon credit approval.
• Free official checks, bank-related copies, notary services, etc.

Grand Checking
This account earns our highest checking account interest rate and allows access to your cash at any time.
• $500 minimum deposit to open.
• Unlimited check writing.
• Free ATM card with account.
• Free Online Banking and Mobile Banking tools.
• Interest is earned if the end-of-day posted balance never drops below $1,000 on any day of a statement cycle. Interest is paid monthly.
• Tiered interest rates for account balances.
• Level 1 - $1,000 to $2,999
• Level 2 - $3,000 to $4,999
• Level 3 - $5,000 to 19,999
• Level 4 - $20,000 or more
• Debit card available upon credit approval.
• $7.00 account service fee if the end-of-day posted balance drops below $500 on any day of the statement cycle.
• Free official checks, bank-related copies, notary services, etc.

Prestige Checking
This account is an interest bearing account especially designed for persons age 55 and older. Plus you have the benefit of unlimited free check usage.
• 55 years old to open account.
• $100 minimum deposit to open.
• Unlimited check writing.
• Free ATM card with account.
• Unlimited free checks.
• Free Online Banking and Mobile Banking tools.
• Free official checks, bank-related copies, notary services, etc.
• Debit card available upon credit approval.
• $5.00 account service fee if the end-of-day posted balance drops below $100 on any day of a statement cycle.
• Interest is earned if the end-of-day posted balance never drops below $500 on any day of a statement cycle. Interest is paid monthly.

How to Report a Lost/Stolen Card or Unauthorized Transfers.

If you discover that your VISA Debit and/or ATM card has been lost or stolen or you become aware of unauthorized transfers, and you make this discovery during the bank’s business hours, please call (601) 264-1467 and report the incident immediately.

If you learn that your VISA Debit and/or ATM card has been lost or stolen or you become aware of unauthorized transfers, and the bank is not open, please call the following 24-hour number and immediately report your lost or stolen card or unauthorized transfer:

Lost or Stolen VISA Debit and/or ATM Card or Unauthorized Transfer 1-800-554-8969

In the event of a Lost or Stolen card while traveling outside the United States, you may contact us collect at 614-564-5101.

ATM Locations:
204 Westover Drive, Hattiesburg, MS 39402

With your Grand Bank VISA Debit Card you also have access to the MoneyPass network with over 32,000 surcharge-free ATMs nationwide. To find a MoneyPass ATM near you, visit: MoneyPass.com

  Free Checking Grand Checking Prestige Checking
  Offers no minimum balance & no monthly service fee. This account earns our highest checking account interest rate and allows access to your cash at any time. Ideal for person ages 55+, earn interest & have unlimited check usage.
Minimum to open $50 $500 $100
Account service fee $0 $7.00, if the end-of-day posted balance drops below $500 on any day of the statement cycle. $5.00, if the end-of-day posted balance drops below $100 on any day of the statement cycle.
Earns interest No Yes, if the end-of-day posted balance never drops below $1,000 on any day of the statement cycle. Yes,if the end-of-day posted balance never drops below $500 on any given day of the statement cycle.
Unlimited checks Yes Yes Yes
Free debit card (upon credit approval) Yes Yes Yes
Free eBanking Yes Yes Yes
Free Bill Pay Yes Yes Yes
Other perks Free offical checks, copies, & notaries Free offical checks, copies, &
notaries
Free offical checks, copies, &
notaries

See separate disclosures for each account listed in this brochure for current rate and fee information. Interest rates and fees are subject to change without prior notice. Please refer to our Funds Availability and Reg. E Disclosures for rules and regulations governing these accounts.

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 and each beneficial owner of an account. What this means for you: When you open a personal 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. When you open a business account, we will ask for certain business documents and identifying information of each business owner.