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
Money Market
- $15 Monthly Fee*
- Earn interest on balances of $1,500 or more
- Online Banking
- eStatements
*$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
Individual Retirement Accounts
- $5,000 Minimum Balance
- Terms from 6 months to 5 years
- Penalties apply for early withdrawal**
- Online Banking
- eStatements
**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.