Our Services

Business Checking Accounts

Please contact a customer representative for more information on Business Checking Accounts.

Consumer Regular Checking Accounts

  No monthly service charges

  Statements and checks mailed monthly

  Free Online Banking and Bill Pay

  ATM/Debit card eligible

Consumer 'Now' Checking Account

  Interest compounded daily and credited monthly

  Statements and checks mailed monthly

  Service charges based on average daily balances

  Above $1,500 - No service charge
  $1,000 - $1,499.99 - $3.00 service charge
  $999.99 or less - $5.00 service charge


  Activity fee of $.10 per debit (check) on all debits over twenty (20) per statement cycle if the average daily balance falls below $1,500.00

Savings Accounts

  $25.00 Minimum opening deposit
  Interest componded daily, credited semi-annually
  Statements mailed semi-annually
  Interest not earned on balances of less than $100.00
  $2.00 per month Service charge for accounts below $25.00 daily average balance
  $.25 Acitivity fee for all debits over fifteen (15) per semi-annual cycle
  ACH / Automatic withdrawals are prohibited

Money Market Plus Account (Savings)

  $2,000.00 Minimum opening deposit
  Interest is computed on a daily ledger balance on simple interest basis
  Interest credited to account monthly
  Statements mailed monthly
  Six (6) withdrawals per month allowed free of charge, additional withdrawals will be charged $2.00 each
  $250.00 minimum withdrawal amount
  $5.00 per month service charge for accounts below $2,000.00 daily average balance
  ACH / Automatic withdrawals are prohibited

Health Savings Account

  Customer must be insured with High Deductible Health Plan (HDHP)
  $50.00 minimum opening deposit
  Interest paid on $1,000.00 or more daily balances
  Interest compounded daily and is credited monthly
  Statements mailed monthly
  $3.50 per month service charge
  Draft and checking privileges are allowed with first 50 checks provided
  Checks and/or withdrawals must be used for qualified medical expenses
  Up to two (2) free debit cards provided

Christmas Club Account

  $2.00 minimum opening balance
  No deposit requirements - save as much or as little as you like!
  Checks issued in October
  Non-interest bearing account

Certificates of Deposit (CD's)

  Terms available from 30 days through 60 months
  Interest may be compounded and added to the CD or paid by check annually, semi-annually, or quarterly
  CD's with balances of $10,000.00 or more may have interest paid by check monthly
  See our rates page for term and rate information

Individual Retirement Accounts (IRA's)

  Terms available from 18 months through 60 months
  $1,000.00 minimum opening balance
  18 month variable rate IRA is adjusted monthly based on 60 month CD index and interest is compounded and added to the IRA semi-annually
  Rates on 18 month fixed rate, 36 month fixed rate, 48 month fixed rate, and 60 month fixed rate IRA's are the same as we offer on our CD's of the same term
  Interest on fixed rate IRA's is compounded and added to the IRA's quarterly, semi-annually, or annually

Personal Loans

  Full service lending operations at each of our offices
  Competitive rates and terms available

Stop in or call one of our loan professionals for more information on how we can help with all your lending needs.

Mortgage Loans

  Competitive rates and terms available
  Up to 40 year financing now available
  Up to 100% financing now available

Stop in or call one of our loan professionals for more information on how we can help with all your mortgage lending needs.

Visa/Mastercard Credit Cards

Grant County State Bank now offers Visa and/or Mastercards with an APR of 14.9%. See one of our loan professionals for more information.

Lock Box Rentals

 Yearly rental fees based on box size


  3x5x21 - $10.00 per year
  5x5x21 - $15.00 per year
  3x10x21 - $18.00 per year
  5x10x21 - $30.00 per year
  10x10x21 - $60.00 per year


  $10.00 lost key replacement fee
  $10.00 + cost - drilled box fee

Cashiers Checks: Customer fee is $3.00. Non-customer fee is $5.00.

Personal Money Order: Fee is $1.50 with a maximum dollar amount of $1,000.00.

Stop payments: $20.00 fee per each stop payment form. If a Stop Payment order is released by the customer prior to 30 days or item being presented for payment, a $10.00 refund will be issued.

Incoming/ Outgoing Collection Items: Handled for a $10.00 fee per item.

Dormant Account: Checking accounts are considered dormant when inactive for a period of one (1) year. Savings accounts are dormant when inactive for a period of three (3) years. An annual fee of $9.00 will be assessed on dormant accounts in December.

Non-Customer Check Cashing: Fee is $5.00 per check.

Account Closing Fee: A fee of $20.00 will be assesed on all new checking and saving accounts closed within ninety (90) days of opening.

ATM / Debit Card Replacement: A $5.00 fee may be assessed for replacement cards other than at expiration.

Wire Transfers: Domestic wire - $15.00 fee; International wire - cost + $5.00.

Telephone Transfers: $2.00 fee per transaction. Transfers made via internet banking system or telephone banking system are FREE.

Account Activity Printout or Copy of Statement: Fee is $1.00.

Counter Checks: Fee is $0.20 per check.

Fax Services: 

  Outgoing fax - 1st page $2.00, each additional page $1.00
  Incoming fax - $0.20 per page

Nortary Service: Fee is $1.00.

Coin Processing: Customer - No Charge; Non-Customer - $0.05 per roll.

Loan Amortization Schedule: Fee is $3.00.