Personal Products and Services

We offer a variety of personal accounts. Take a look at the features and choose the one that best fits your needs.

Personal Deposit Accounts

Basic Checking

  • No Monthly Fee
  • Online Banking & Bill Pay
  • Mobile Banking
  • eStatements

Personal Checking

  • No Monthly Fee
  • Earn interest on balances of $1,000 or more
  • Online Banking & Bill Pay
  • Mobile Banking
  • eStatements

View RATE SCHEDULE

Savings

  • No Monthly Fee
  • Online Banking
  • eStatements

View RATE SCHEDULE

Money Market

  • $15 Monthly Fee*
  • Earn interest on balances of $1,500 or more
  • Online Banking
  • eStatements

View RATE SCHEDULE

*$15 Monthly fee waived with average daily balance of $1,500 during statement cycle

Personal CD Accounts

  • $5,000 Minimum to open
  • Terms from 6 months to 5 years
  • Penalties apply for early withdrawal**
  • Online Banking
  • eStatements

View Rate Schedule

Individual Retirement Accounts

  • $5,000 Minimum Balance
  • Terms from 6 months to 5 years
  • Penalties apply for early withdrawal**
  • Online Banking
  • eStatements

View Rate Schedule

**If you wish to withdraw the funds in your CD prior to the end of the term, Gainey Business Bank may charge a penalty amount equal to 90 days of interest for terms 12 months or less, 180 days of interest for terms of 18 to 48 months, and 270 days of interest for terms of 60 months.