Personal Checking and Savings

Grand Bank has personal banking products that are second to none!  The best internet banking and bill pay in town, Free Checking that earns interest, Free ATM use at all QuikTrip ATM’s, and FDIC insurance up to $50 Million on Certificates of Deposit.  Add great rates and the best customer service you’ll find anywhere…guaranteed!  What more could you ask for?

Personal Banking Products

GRAND BANK ACCOUNTS***

 eCHECKING****

GRAND FREE CHECKING PLUS

GRAND ADVENTURES CHECKING

GRAND INVESTOR CHECKING

GRAND CASH MANAGEMENT MONEY MARKET**

GRAND SAVINGS**
Minimum Balance to Open $100 $100 $100 $100 $100 $500
Interest Paid on Collected Balances N/A On $1,000 or more Variable-Rate Tiers: Ask for current rate sheet Variable-Rate Tiers: Ask for current rate sheet Variable-Rate Tiers: Ask for current rate sheet Compounded and Paid Quarterly
Monthly Fee Based on Available Balances Free**** Free Free > $2,000 in checking or $10,000 in total deposits
$4.95 per month if below		 Free > $25,000
$10 per month if below		 Six withdrawals free**
$10.00 each thereafter		 Free > $500
$5.00 per month if below
$2.00 per withdrawal after three
Monthly Statement with Check Images eStatements ONLY - Required**** Yes Yes Yes Yes Statement mailed quarterly
Images not available
Free Online Banking Yes - Required**** Yes Yes Yes Yes Yes
Online Bill Pay Yes - Required**** No monthly fee
15 free bills per month
$.50 each > 15		 No monthly fee
15 free bills per month
$.50 each > 15		 No monthly fee
15 free bills per month
$.50 each > 15		 N/A N/A
ATM*
Visa Check Card*		 Yes Yes Yes Yes ATM Only ATM Only
Bounce Protection Limit $800 $600 $600 $600 N/A N/A
eStatements   Yes Yes Yes Yes Yes
* Minimal fees using non Grand Bank facilities...Ask for details. Cards are offered with Grand Bank approval. No transaction charge when using your Visa/Check Card for check card transactions at Grand Bank facilities or QuikTrip locations.

** There is no limit to the number of transfers or withdrawals you make in person at the bank or at an ATM. However, Money Market and Savings Accounts are limited to 6 automatic withdrawals or transfers, which include Internet transfers, Check Card transactions, automatic transfers, pre-authorized payments, third party checks and drafts, telephone, and wire transfers. To comply with federal regulations, we may be required to close your account for exceeding these limits.

*** Grand Bank reserves the right to monitor accounts accordingly and to adjust charges accordingly.

****Certain restrictions apply. Enrollment in Grand Bank's Online Banking, including Bill Pay, and acceptance of eStatements required. Contact a Grand Bank Personal Banker for more details

 

PROTECT YOUR MONEY

  • FDIC Insurance

    FDIC deposit insurance increased to $250,000 per depositor.

  • CDARS Program

    Additional FDIC insurance is available on Certificates of Deposit through our CDARS Program. In short, any organization or any individual who wants to combine the convenience of working with a single bank with the security of FDIC insurance can benefit from CDARS. Ask for details!!

  • Bounce Protection

    Depending upon the type of checking account you have at Grand Bank, Bounce Protection is an overdraft privilege limit that is automatically assigned to your account. There is no action required on your part. You do not need to sign anything. There is no additional cost associated with this privilege unless you use it and then you will be charged our standard NSF fee for each item paid under the limit. If you are a new Grand Bank customer, you may be able to use the overdraft privilege limit assigned to your account 30 days after the account is opened. Ask to speak to one of our Grand Bank employees for more information.

DEPOSIT PRODUCTS

  • Grand Free Checking Plus

    The perfect account for individuals, trusts and estates. Enjoy unlimited check-writing and no monthly service fee. PLUS interest on $1,000 or more.

  • Grand Investor Checking

    Grand Bank's Investor Checking is for individuals and non-profits that want to earn a great return on their investment without paying tons of fees. You'll also enjoy unlimited transactions and free Grand Bank Checks as well as many other services.

  • Grand Adventures Checking

    The best account in Oklahoma for customers 50 and better! It's more than just a checking account, it's relationships and fun for the community. Enjoy our Grand Adventures checks, free cashier's checks (5 per month) and free traveler's checks. Join us for the adventure!

  • The Grand Cash Management Account

    For individuals, partnerships, and corporations who want a grand return on liquid savings, the Grand Cash Management Account shows just how highly you rate at Grand Bank.

  • Grand Savings

    A good, old fashioned way to save for...rainy days, emergencies, vacations, special occasions, or just because. Sit back and watch your account grow!

  • Certificates of Deposit

    Save for the long term. We have certificates of deposit from 3 months up to 4 years. Earn interest at a competitive rate. Ask for a current rate sheet.

eChecking

A ‘no check’ account that makes the most of high tech banking. eChecking comes with a VISA Check Card for quick and easy transactions. Receive monthly online eStatements and take advantage of unlimited use of Bill Pay for a virtually paperless account. Certain restrictions apply. Enrollment in Grand Bank’s Online Banking, including Bill Pay, and acceptance of eStatements required. Contact a Grand Bank Personal Banker for more details.

ACCESS YOUR MONEY

  • Online Bill Pay

    No more running to the post office to purchase stamps. Save time and money with our Online Bill Pay. You may pay your bills by check or by electronic payment. Pay your bills, on your time, from the convenience of your home or office! Bills can be scheduled to pay automatically each month or you may change the amount each month.

  • TransFund

    Our participation in the TransFund network gives our customers a fast, easy way to handle routine transactions day or night. There are hundreds of TransFund locations throughout Oklahoma. ATM withdrawals are free at hundreds of QuikTrips in Oklahoma! To find a location near you, logon to www.transfund.com, click on Products & Services, and then click on No-Surcharge ATM Network.

  • The Banker's Assistant - 24 Hour Telephone Banking

    Access your accounts day or night with our 24-hour telephone line. Account balances, transfers, and rate information is readily available. You may access your account information by calling the following numbers: Tulsa & Bixby 918.477.3300; Claremore 918.342.4777; Toll-Free: 1.866.865.3300.

  • Grand Bank Online

    See your account online, view check images, or balance your checkbook from the convenience of your home! You may transfer funds between accounts, view rates, research and print account information and much more!

OTHER SERVICES

  • VISA Check Card

    Many people prefer to pay with a credit card - but don't want to pay the finance charges. Now you can enjoy the convenience of paying for goods and services with a VISA Check Card. Upon approval, you can use it where VISA Check Cards are accepted (which is just about everywhere) and have those purchases deducted directly from your checking account. It also makes record keeping a snap.

  • VISA Gift Cards

    The perfect gift! Give the special people in your life the best gift of all...the gift of choice. The Grand Bank Visa Gift Card is the perfect gift for holidays, birthdays, weddings, graduations, or any other gift-giving occasion. Check it out...ask for details!

  • American Express Travelers Cheques

    Grand Bank offers convenience and safety of American Express Travelers Cheques. American Express Travelers Cheques offer more services than all others...a 24-hour hotline in the United States and Canada for authorized refunds...refunds 24-hours a day through a network of dispensing machines...Travel Service Offices throughout the world to help you.