PERSONAL CHECKING ACCOUNTS

At Granite Savings Bank we offer you personal and friendly service, and a choice of accounts for all your personal checking needs. For your added convenience, Granite Savings Bank is a member of the SUM Program and the NYCE Shared Deposit Program.

BASIC CHECKING ACCOUNT

This is a non-interest bearing checking account. There is no minimum balance requirement or monthly maintenance fee.

GRANITE ACCOUNT

This is an interest bearing checking account. You must maintain a minimum daily balance of $10.00 to obtain the disclosed annual percentage yield. Each month you will be assessed a maintenance fee of $7.00. You may avoid this fee if you maintain, each day during the month, a daily balance of at least $100.00.

NOW ACCOUNT

This is an interest-bearing checking account. You must maintain a minimum daily balance of $10.00 to obtain the disclosed annual percentage yield. Each month you will be assessed a maintenance fee of $5.00. You may avoid this fee if you maintain, each day during the month, a daily balance of at least $500.00.

ALL OF OUR CHECKING ACCOUNTS OFFER THE FOLLOWING FEATURES:

MasterMoney™ Debit/ATM Card
Direct Deposit
Overdraft protection with an approved credit line
Link with a statement savings to transfer funds between accounts
Online banking
Bill payment

BUSINESS CHECKING

For a low monthly maintenance fee of $8.00, you can enjoy unlimited checking activity with our NOW-Business account. This account does not pay interest and you must deposit $10.00 to open the account. We provide a monthly statement and return your checks, or images, as applicable.