• Checking

• Savings

• Certificate of Deposits

Have a question or want more information? Please give us a call today at
(601) 264-1467 or toll free (800) 300-1467 and one of our Customer
Service Representatives will give you the answers you need.

Checking Accounts

MoneyMax Checking

Checking Account with Maximum Rewards & Minimum Requirements!
• Only $1,000 minimum deposit to open
• Earn a high interest rate for balances over $1,000! Call (601) 264-1467 today for current rates!
• Unlimited USE! Either utilize direct deposit OR use the account 9 times per 
statement cycle. All uses count including: deposits, check writing, ATM, debit card &
electronic bill pay.*
• Transactions of one or more checking accounts can be combined to meet the 9 transaction 
minimum.
• Free Online Banking.
*Accounts below the transaction minimums or with no activity may be reclassified to a Free non-interest bearing checking account. Service charge of $15 if balance drops below $1000 any day of the month. Personal & non-profit accounts only. Interest rate subject to change. Refer to Grand Bank’s account information statement for specific details including fees & regulations regarding deposit accounts. APY is the Annual Percentage Yield.

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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.
• Debit card available upon credit approval.

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Grand Checking
Grand Checking is a great account for those that want a high rate of interest that allows access to cash at any time. The higher your balance, the higher your interest rate!
• $500 minimum deposit to open.
• Unlimited check writing.
• Free ATM card with account.
• Free Online Banking.
• A minimum balance of $1,000 must be maintained to earn interest. 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 monthly service charge if balance is $500.00 or less.

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Prestige Checking
This account is an interest bearing account especially designed for persons age 55 and older. It features a high rate of interest and unlimited free checks.
• 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.
• Free official checks, copies, notaries, etc.
• Debit card available upon credit approval.
• $5.00 monthly service charge if balance is $100.00 or less.
• A minimum balance of $500 must be maintained to earn interest. Interest is paid monthly.

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Family Checking
This account is designed for the needs of the family. It features a great rate of interest and is packed with “perks”.
• An immediate family member must have either a Certificate of Deposit, mortgage loan or consumer loan of $5,000 or more to qualify for this account.
• $50 minimum deposit to open.
• No monthly service charge.
• Unlimited check writing.
• Unlimited free checks.
• Free ATM card with account.
• Free Online Banking.
• Debit card available upon credit approval.
• Free official checks, copies, notaries, etc.
• $50 minimum balance must be maintained to earn interest. Interest paid monthly.
• Account reverts to terms of Grand Checking if Certificate of Deposit is cashed in or if a Share Loan is made.

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Premier Money Market
This account is ideal for those customers with larger savings who want to earn a high rate of interest and will make no more than 6 debit transactions each month.
• $7,500 minimum deposit to open.
• Must maintain $7,500 balance to earn higher interest rate.
• Interest paid monthly.
• Unlimited free checks.
• Free Online Banking.
• A balance of less than $7,500 drops to the same interest rate as Advantage Savings.
• By law, six (6) third-party withdrawals or transfers or checks are allowed within a statement
cycle.There are no limits on the number of withdrawals made in person or by mail. A fee of  
$2.00 per item will be charged for excess withdrawals over the
allowed limits.

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Savings Accounts
Junior Rainy Day Savings
The savings account designed for the younger generation. A great way to teach children how to save!
• $25.00 minimum deposit to open.
• No service charge for 0-18 years of age.
• Member of the Rainy Day Club with free gifts.
• Interest paid monthly.
• Statement mailed monthly.
• Account reverts to Advantage Savings account at age 19.

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Advantage Savings
This savings account is ideal for those who need immediate access to their funds and have fluctuating balances.
• $50 minimum deposit to open.
• Interest is paid monthly on this account.
• Statement mailed monthly.
• 3 withdrawals allowed per month. $2.00 charge for each additional withdrawal.
• Free ATM card with account.
• Free Online Banking.
• Monthly fee of $1.00 will be charged if the balance drops below $50 any day of the statement period, regardless of the average balance.

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Individual Retirement Account (IRA)
It is like a Certificate of Deposit, so you have great flexibility while earning a competitive interest rate.
• $1,000 minimum deposit to open.
• No withdrawals can be made.
• The account will automatically renew at maturity at the interest rate being paid by the
Bank on the renewal date.
• You will have ten (10) calendar days from the maturity date to withdraw funds without penalty.

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Certificates of Deposit
• $1,000 minimum deposit to open.
• You must maintain a minimum average daily balance of $1,000 to obtain the disclosed annual percentage yield. Interest begins to accrue on the business day you deposit noncash items.
• For certificates with a term of one year or less, interest is paid at maturity. For certificates over one year, interest is paid annually and again at maturity. You may however, choose a transfer of interest into a Grand Bank savings or checking account or receive a check monthly, quarterly, semiannually, or annually.
• After the account is opened, you may not make deposits into or withdrawals of principal from this account without penalty until the maturity date.
• If you choose to close the certificate prior to the maturity date, a penalty will be imposed. One (1) month of interest will be charged as penalty for any certificate with a term of 32 days to and including one year, whether earned or not. For a certificate with a term greater than one year, the penalty is three (3) months interest, whether earned or not, regardless of the length of time the funds withdrawn have remained in the account.
• You will have ten (10) calendar days from the maturity date to withdraw funds without penalty.
• The account will automatically renew at maturity at the interest rate being paid by the Bank on the maturity date.
• Interest rates for Certificates of Deposit of $100,000 and more are quoted on an individual basis.

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**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. What this means for you: When you open an 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.