Personal Checking

Our consumer checking accounts are designed with you in mind. No matter what stage of life you are in, our flexible checking account options are designed to help you manage your finances the way you want.

Simply Checking:

Our basic checking account is designed so you don’t have to keep an average balance. Use your money your way.

  • $100 Opening Deposit
  • No Minimum Balance
  • $1.50 service charge per statement cycle*(P1)(P3)
    *Option to waive $1.00 of the charge with recurring direct deposit or online statements. Item charges may still apply.
  • Debit/ATM Card (P2)
  • FREE online banking, mobile banking, mobile wallet, and bill pay.
Perferred Checking:

Our next step up from the Simply Checking account. Designed so you have the ability to wave monthly service charges goodbye (Inactivity fees may still apply).

  • $100 Opening Deposit
  • $750 Average Available (collected) Balance to waive monthly service charges and item charges (P3)
  • Debit/ATM Card (P2)
  • Check images included on statements
  • FREE online banking, mobile banking, mobile wallet, and bill pay.
Full Service Checking:

Our next step up from the Preferred Checking account. Designed so you can earn interest on your checking account funds.

  • $100 Opening Deposit
  • $2,500 Average Available (collected) Balance to waive monthly service and item charges
  • $2,500.01 Average Available (collected) Balance to earn interest
  • Debit/ATM Card (P2)
  • Check images included on statements
  • FREE online banking, mobile banking, mobile wallet, and bill pay.
Premier Checking:

Our highest level checking account. This higher balance checking account is designed to offer you the best features.

  • $10,000 Opening Deposit
  • Interest on ALL balances
  • $50,000 Average Available (collected) Balance to waive monthly service charges
  • Check images included on statements
  • FREE online banking, mobile banking, mobile wallet, and bill pay.
  • FREE Checks
  • FREE Debit/ATM Card
  • FREE small Safe Deposit Box (subject to availability)

Personal Checking Account Options

Simply Checking

Preferred Checking

Full Service Checking

Premier Checking

Opening Deposit

$100

$100

$100

$10,000

**Average Available (collected) Balance to Earn Interest

N/A

N/A

$2,500.01

All Balances

Images On Statements

(P2)Yes

Yes

Yes

Yes

Free Online & Mobile Banking

Yes

Yes

Yes

Yes

**Average Available (collected)
Balance Required to Avoid *Monthly Service Charge & Other Features

(P1)(P3) No Minimum Balance Required

(P3)$750

$2,500

$50,000

*All accounts subject to monthly service fees are eligible for reduced fees or waived fees based on specific requirements within each account. Please see a Personal Banker for more details.

 (P1) There are no balance requirements for this account. A monthly service fee of $1.50 applies to this account. $1.00 may be waived if you elect our online statement option or recurring direct deposit. Transaction fees may still apply of $0.25 per debit, check, credit and deposited item after 75 total items. 

(P2) Available upon request with a charge.

(P3) A $2.00 monthly Inactivity Fee will be applied to the account if the account remains inactive for over 60 days.

**The (AAB) is calculated by adding the available principal balance in the account for each day of the period and dividing that figure by the number of days in the period. The available balance is the account balance, less unpaid deposited items drawn on other financial institutions in the process of collection. Please E-mail us or contact a Personal Banker at one of our branches for current rate information.

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 or business that 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 allows us to identify you. We may also ask to see your driver’s license or other identifying documents.

Switch Today!

Our friendly staff is ready to help you create a new account or transfer your existing account to Grinnell State Bank.