Due to road closures on Friday, September 5, 2025, the Polk City lobby will be closed and the drive up will only be accessible by walk up.

Attention Deposit Account Customers:

Effective September 2, 2025, you will no longer be able to use your GSB debit/ATM card to deposit at non-GSB owned ATMs. You will still be able to deposit at the GSB owned ATMs located at each of our four (4) branches. You can also conveniently deposit checks via Mobile Deposit through our mobile app. If you are not currently set up for Online or Mobile Banking, stop in or contact any of our branches and a personal banker will assist you.

To learn more about how to use Mobile Deposit, visit our Online Banking Education Center.

We understand that this may change how you deposit, however, this decision has been made due to the increasing level of risk associated with check fraud deposits occurring at ATMs.

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Rates

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Glossary Of Terms

Loan Terminology

Amortization

Over a specified period of time, this is the gradual elimination of a debt achieved through regular payments (sufficient enough to cover both the principal and the interest).

Balloon Loan

A type of loan that does not fully amortize its term. Therefore, a balloon payment is required at the end of the term to repay the loan’s remaining principal balance.

Borrowing Power

The amount an individual or organization can borrow. This is calculated using income/revenue, expenses and other debt obligations.

Capital Expenditures

Money spent by a business or organization on acquiring or maintaining fixed assets, such as land, buildings, and equipment.

Line of Credit

A loan that allows the borrower to withdraw money from an account up to a specified limit.

Principal

The amount of money that the loan applicant requests to borrow.

BENEFITS OF YOUR ACCOUNT

Bringing the Bank to you

We want to make banking easy for you with 24/7 access to your accounts and convenient access to services. Have 24/7 access to all of the following without having to step foot in the bank:

Your Current Accounts

Mobile App with Mobile Deposit, Bill Pay, Internal Account Transfers & more

Fee-Free Shazam Privileged Status ATMs

Telebanking

For a printable version of Reg E:

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For a printable version of our Online Terms and Conditions:

 

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