GBT
Individual Checking
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Open your
Individual Checking Account with GBT today!
Statements Issued Monthly
No charges for minor citizens with their own social
security number.
Cost for check printing varies depending on the
style of checks ordered.
Minimum Opening Balance $200.00
No Service Charge with Balance of $600.00
Monthly Service Charges
$0.00 to $199.99 $10.00
$200.00 to $399.99 $8.00
$400.00 to $599.99 $6.00
GBT Checking Account General Charges
GBT Direct Deposit Account
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Your Social
Security payments are electronically deposited
directly into your account.
Your money is Safe, Secure and On-Time with Direct
Deposit.
Statements Issued Monthly
Transaction Limitations: 3 withdrawals per statement
period - after 3 there will be a charge of $3.00 for
each additional withdrawal. Transfers and
withdrawals may only be made in person at a GBT
location. Debit Cards or ATM Cards will not be
issued for this type of account.
Minimum Opening Balance $200.00
Monthly Service Charge $3.00
GBT Checking Account General Charges
GBT Hometown Checking
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Come Home to Valuable
Extras...
Cost for check printing varies depending on the
style of checks ordered. Your first order of checks
is free. (Limits may apply)
Statement Period: Monthly
Minimum Opening Balance $200.00
Monthly Maintenance Fee (if balance falls below
$200.00) $10.00
GBT Checking Account General Charges
GBT Hometown Checking Plus
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All the
services available to the Hometown Checking account
are available to this account plus several other
services.
Cost for check printing varies depending on the
style of checks ordered. Four free boxes of checks
are available per year.
Statement Period: Monthly
Minimum Opening Balance $200.00
Monthly Maintenance Fee $8.00
GBT Checking Account General Charges
GBT Hometown 50 Plus
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All the
services available to the Hometown Checking account
are available to this account plus several other
services.
Cost for check printing varies depending on the
style of checks ordered. Four free boxes of checks
are available per year.
Statement Period: Monthly
No Minimum Opening Balance
Monthly Maintenance Fee $5.00
GBT Checking Account General Charges
GBT Now Account
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All the
convenience of checking while earning interest on
your balance.
Minimum Opening Balance $1,000.00
Minimum required to obtain APY $1,000.00
Request our Rate Sheet for Current Interest Rate and
Annual Percentage Yield (APY).
Interest Computation Method - Daily Balance *
Interest will be compounded Monthly.
Interest credited Monthly.
On non-cash items interest will begin to accrue on
the next business day. If you close your account
before interest is credited, you will not receive
the accrued interest. Your interest rate and annual
percentage yield may change. At our discretion, we
may change the interest rate on your account at any
time.
Statement Period: Monthly.
Cost for check printing varies depending on the
style of checks ordered.
Monthly Service Charges
$0.00 to $199.99 $10.00
$200.00 to $399.99 $8.00
$400.00 to $999.99 $6.00
$1,000.00 and Above NONE
GBT Checking Account General Charges
* The Daily Balance is determined by the application
of a daily periodic rate to the full amount of
principal in the account each day.
GBT Super Now Account
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All the
advantages of our Now Account plus a higher rate of
earned interest on your balance.
Minimum Opening Balance $1,500.00
Minimum required to obtain APY $1,000.00
Request our Rate Sheet for Current Interest Rate and
Annual Percentage Yield (APY).
Interest Computation Method - Daily Balance *
Interest will be compounded Monthly.
Interest credited Monthly.
Statement Period: Monthly.
On non-cash
items interest will begin to accrue on the next
business day. If you close your account before
interest is credited, you will not receive the
accrued interest. Your interest rate and annual
percentage yield may change. At our discretion, we
may change the interest rate on your account at any
time.
Cost for
check printing varies depending on the style of
checks ordered.
Monthly Service Charges
$0.00 to $199.99 $10.00
$200.00 to $399.99 $8.00
$400.00 to $999.99 $6.00
$1,000.00 and Above NONE
There will be a $.20 check charge for each check
over 20 in a statement period.
GBT Checking Account General Charges
* The Daily Balance is determined by the application
of a daily periodic rate to the full amount of
principal in the account each day.
GBT Money Market Account
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Our highest rates for
limited checking accounts are available with our GBT
Money Market Account. This is an excellent way to
earn a higher rate of return while retaining
convenient access to your money.
Minimum Opening Balance $2,500.00
Minimum required to obtain APY $1,000.00
Interest will be compounded Monthly.
Interest credited Monthly.
Interest Computation Method - Daily Balance *
Statement Period: Monthly.
On non-cash
items interest will begin to accrue on the next
business day. If you close your account before
interest is credited, you will not receive the
accrued interest. Your interest rate and annual
percentage yield may change. At our discretion, we
may change the interest rate on your account at any
time.
Cost for
check printing varies depending on the style of
checks ordered.
Monthly Service Charges
$0.00 to $199.99 $10.00
$200.00 to $399.99 $8.00
$400.00t to $999.99 $6.00
$1,000.00 and Above NONE
Withdrawals/Transfers over 3 per month (per each)
$3.00
GBT Checking Account General Charges
* The Daily Balance is determined by the application
of a daily periodic rate to the full amount of
principal in the account each day.
* Request our Rate Sheet for Current Interest Rate
and Annual Percentage Yield (APY)
GBT Gold Medallion
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Special interest
bearing account available to Individuals, Sole
Proprietors & Non-Profits. Minimum Opening Balance
$5,000.00
Minimum required to obtain APY $5,000.00
Monthly service charge: $10.00 Balance under $5,000
/ $0.00 for Balance $5,000 or over.
Features
include:
Standard club logo check are available at no charge
Statement monthly
Interest rates are tiered based on the 30-day
Treasury Bill asked rate discount price quoted in
the Wall Street Journal
Interest computation method is daily balance *
Interest credited monthly
Minimum
daily collected balance tiers:
$500,00 and over
$100,000 to $499,999
$50,000 to $99,999
$25,000 to $49,999
$5,000 to $24,999
* Request our Rate Sheet
for Current Interest Rate and Annual Percentage
Yield (APY)
On non-cash items, interest will begin to accure on
the next business day.
If you
close the account before interest is credited, you
will not receive the accrued interest.
Interest rates may change weekly depending on market
conditions.
Your
interest rate and annual percentage yield may change
at any time depending on market conditions.
* The Daily
Balance is determined by the application of a daily
periodic rate to the full amount of principal in the
account each day.
GBT Basic Savings Account
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GBT offers
a competitive Basic Savings rate of return. By
consistently adding even a small amount weekly to
your account, your savings can grow to sizable
amounts over a year's time. Providing you with a
safety net for emergencies, cash for special
purchases, christmas money - whatever your purpose
for saving - GBT can help with our Basic Savings
Account.
Minimum Opening Balance $300.00
Balance Required to Avoid Service Charges $300.00
Request our Rate Sheet for Current Interest Rate and
Annual Percentage Yield (APY).
Interest Computation Method - Daily Balance *
Interest will be compounded Quarterly
Interest credited Quarterly
On non-cash
items interest will begin to accrue on the next
business day.
If you close your account
before interest is credited, you will not receive
the accrued interest.
Your interest rate and annual
percentage yield may change. At our discretion, we
may change the interest rate on your account at any
time.
Interest will not be paid if the balance falls below
$300.00
Monthly Service Charge (Balance Below $300.00) $6.00
Transaction Limitations: 3 Withdrawals per quarter -
after 3 there will be a charge of $3.00 for each
additional withdrawal.
* The Daily Balance is determined by the application
of a daily periodic rate to the full amount of
principal in the account each day.
GBT Certificate of Deposit
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Our GBT
Certificates of Deposit provide a higher rate of
return than savings or interest bearing checking
accounts. Whatever your investment goal, CD's from
GBT are an excellent choice with competitive rates
and a variety of payout and term options.
Choice of Terms
Available in Short-Term (3-6 months), Medium-Term
(6-18 months) and Long-Term (2 years or more), our
GBT CD's provide a Fully FDIC Insured (up to
$100,000 per individual) investment.
Choice of Payout Options
Interest will be credited to your account or paid to
you monthly, quarterly, semi-annually, at maturity
or as agreed upon.
The Annual Percentage Yield (APY) assumes that
interest remains on deposit until maturity. A
withdrawal will reduce your earnings.
After the account is opened, you may not make any
deposits into or withdrawals from the principal in
the account without penalty until the maturity date.
Interest begins to accrue on the next business day
for any non-cash item (i.e. checks).
Penalty for early withdrawal may apply.
Renewal Policy - If your Certificate is SINGLE
MATURITY and does not automatically renew, Present
it PROMPTLY at maturity as no interest is payable
after the maturity date.
If your certificate will AUTOMATICALLY RENEW, you
will have a grace period of 10 days from maturity
date to present this certificate for payment without
penalty. If the certificate automatically renews, IT
WILL BE RENEWED AT THE RATE IN EFFECT AT THIS
INSTITUTION ON THE DATE OF MATURITY.
GBT Individual Retirement Account
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GBT - with
IRA Options to help you plan for your future -
today.
See our Financial Advisors for detailed explanations
of our IRA options:
Traditional IRA - Retirement income and qualified
tax-deductible contributions.
Roth IRA - Special options for those nearing
retirement and first time home buyers.
Education IRA - Used to pay higher education
expenses for your children.
Minimum Opening Balance $100.00
Request our Rate Sheet for Current Interest Rate and
Annual Percentage Yield (APY).
Interest Computation Method - Daily Balance *
Interest will be compounded Quarterly
Interest credited Quarterly
On non-cash items interest will begin to accrue on
the next business day.
Statement Issued Annually
If you
close your account before interest is credited, you
will receive the accrued interest.
On non-cash items interest will begin to accrue on
the next business day.
Your interest rate and annual percentage yield may
change. At our discretion, we may change the
interest rate on your account at any time.
Penalty for early withdrawal - same as regular CD's.
*The Daily
Balance is determined by the application of a daily
periodic rate to the full amount of principal in the
account each day.
GBT Personal Loans
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We offer an
extensive line of Consumer Loans with competitive
rates and flexible pay-back options.
Auto Loans - with Pre-Approved Financing for your
next vehicle, car dealers will see you as a cash
customer - placing you in a strong bargaining
position.
Overdraft Protection - see us for your Personal
Line-of-Credit.
Signature Loans - Home computers, ATV's, vacations -
you decide and we will extend every effort to
provide the money you need.
GBT Home Mortgages
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A variety
of Home Mortgage Programs are available to help you
make your Dream Home a reality.
Our Loan Officers will help you select the best
option to meet your individual needs:
Conventional Mortgage
Fixed Rate Mortgage
Home Equity Line of Credit
Home Improvement Loans
GBT Visa Debit Card
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Our GBT
Visa Debit Card provides the buying power of a check
with the world-wide acceptance of Visa.
Features/Benefits
Valid for purchases anywhere Visa is accepted
Transactions are automatically deducted from your
checking account
No annual fees
Perfect for commuters and business travelers
Cash from your checking account via thousands of
ATM's world-wide
Transactions are itemized on your monthly checking
statement
GBT Safe Deposit Boxes
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Protect
your valuables and critical documents with our GBT
Safe Deposit Boxes.
Contents in Boxes are not FDIC
insured.
3 x 5 Box $25.00
3 x 10 Box $40.00
5 x 10 Box $60.00
10 x 10 Box $75.00
10 x 15 Box $100.00
Initial deposit for 2 keys $20.00
Drill Lock
$100.00
GBT Checking - General Charges
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Statements
Issued Monthly
Cost of check printing varies depending on the style
of checks ordered.
Activity printout of Account $1.00
Stop Payment (Regular or ACH) $15.00
Account Reconcilement (per hour) $10.00
Research Fee (per hour) $10.00
Transfer of Funds between interbank accounts $2.00
Travelers Checks 1% of amount
Wire Transfer - Outgoing (customer only) $15.00
Insufficient Funds Charge (per item) $27.50
Overdraft Charge (per item) $27.50
Overdraft Daily Maintenance Fee (after 3rd day)
$2.00
Deposited Check Return Charge (per item) $2.00
Early Closing Fee (within 60
days, all accounts) $25.00
Debit Cards and ATM Cards subject to approval.
Contact Bank for additional rates and fees.
GBT Visa / MasterCard
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Our GBT
Bankcards - Indispensable Convenience and Value
More Savings Opportunities!
Our low
annual percentage rate is just the first way you
save money with our Visa and MasterCard.
We also offer free balance transfer service for your
other credit cards, instant cash at ATMs and banks
worldwide, and personalized convenience checks.
More Purchase Security
We help safeguard your purchases with our low-cost
credit card insurance program. We'll even deduct
your monthly payment from your checking or savings
account automatically if you request!
More Buying Power
Our cards can save you 10-50% off retail prices with
special shopper discounts and free introductory club
memberships.
Visa and MasterCard travel clubs offer significant
hotel discounts and cash bonuses.
Special Rates for Qualifying Customers
Special
rates are available to our Preferred customers.
Please ask about how you may qualify.
