Agricultural Banking Services

Our bank’s roots run deep in agriculture.  We are a third-generation, family-owned bank, with a management team with vast understanding of Ag production and farm ownership.  All the markets we serve are rural, Ag-based communities.

We believe that agriculture is the backbone of our communities and our nation.  Let one of our experienced Ag lenders assist you in all your farm’s financial needs.

Agricultural banking products & services:

agricultural banking

Easy Checking

Ideal for customers who do not want to maintain a large balance, who utilize limited check writing and do most of their banking with a debit card, using our Free Online Banking & Billpay or at the ATM.  In other words, they have gone “green” and electronic banking is a good fit!

Example:  Young families, students, owner / operator

  • $100.00 Minimum Deposit to open an account.
  • Write 10 free checks/paper debits per statement cycle.
  • Only $.33 cents per check/paper debit after 10.
  • Unlimited POS or electronic transactions.
  • Free Debit Cards
  • Free Online Statements
  • Free Online Banking
  • Free Bill Pay
  • Free Mobile Banking
  • Paper Statement Available: $2.25 per cycle

Classic Checking

This is the kind of account you know and love.  It offers great features to meet all basic banking needs for any consumer with a blend of new technology and classic banking features.  It is a fit for those who are familiar with banking, but don’t carry a high balance in the account.

Example: Families with school age children, retirees on a fixed income

  • $100.00 Minimum Deposit to open an account
  • $8.00 Maintenance Fee per statement cycle is waived with average daily balance of $1500.00.
  • Write 50 free checks per statement cycle
  • Only $.23 per check after 50
  • Unlimited POS or electronic transactions
  • Free Debit Cards
  • Free Online Statements
  • Free Online Banking
  • Free Bill Pay
  • Free Mobile Banking
  • Paper Statement Available:  $2.25 per cycle

My Business Checking

This account is for businesses and organizations such as Sole Proprietor accounts, Agricultural accounts and DBA’s which write a limited number of checks and limited deposit activity.

  •  $100.00 Minimum Deposit to open an account
  • $8.89 Maintenance Fee per statement cycle is waived with average daily balance of $1000.00
  • Write 40 free checks/ paper debits per statement cycle
  • Only $.16 per check/paper debit after 40

THE FOLLOWING SERVICES ARE AVAILABLE TO APPROVED CUSTOMERS THROUGH ONLINE BANKING AND CASH MANAGEMENT SERVICES INCLUDING:

  • ACH Origination
  • Wire Transfers
  • Remote Deposit Capture
  • Merchant Processing
  • Free Business Debit Cards
  • Free Business Credit Cards
  • Free Online Statements

*Paper Statement Available:  $2.25 per cycle

Commercial Checking

This account is for the established business with a higher number of transactions.  They enjoy the ability of an Earnings Credit to offset fees associated with their daily business routine.  The close contact with their Personal Banker and the customer service we provide is important to commercial checking customers.

  • $100.00 Minimum Deposit to open an account
  • $14.98 Maintenance Fee per statement cycle is waived with average daily balance of $6,000.00
  • Checks/paper debits $ .16
  • Foreign Transit Checks deposited $.09 per Item

Accounts will be set up in Account Analysis to allow for Earnings Credit.

EARNINGS CREDIT MAY OFFSET, BUT NOT EXCEED CHARGES FOR:

  • ACH origination
  • Remote Deposit Capture
  • Wire Transfers
  • Earnings Credit will be equal to rate on a 6 month Treasury Bill
  • Earnings Credit rate will be adjusted on the 1st  business day of each month
  • Negative Collected Balance Charge – GNB Base Rate plus 2% on average negative collected balance

THE FOLLOWING SERVICES ARE AVAILABLE TO APPROVED CUSTOMERS THROUGH ONLINE BANKING AND CASH MANAGEMENT SERVICES INCLUDING:

  • ACH Origination of Direct Deposit or Electronic Payments to Vendors
  • Wire Transfers
  • Remote Deposit Capture
  • Merchant Processing
  • Business Debit Cards
  • Business Credit Cards

Paper Statement Available:  $2.25 per cycle

Money Market

Some customers seek an interest bearing account with few transactions.  This account goes one step further by providing interest rate tiers which reward increased savings.  Or, sometimes they simply need a place to put additional funds for a time period and our MMDA allows them to increase their earnings as their balance increases.

Like all MDDA’s, this account is limited by law to no more than 6 checks / paper debits per statement cycle.  However, “in person” withdrawals, transfers or ATM transactions are unlimited!

  •  $1,500.00 Minimum Deposit to open an account
  • $15.00 Maintenance Fee per statement cycle is waived with average daily balance of $3500.00

Reg D Limitations:  6 checks/debits per month allowed by law. If a customer exceeds the allowable number of transactions three times within a 12 month rolling period their account will be converted to a demand deposit (non interest bearing) account that does not have transaction restrictions.

MONEY MARKET ACCOUNT BENEFITS:

  • Free Paper Statement or Electronic Statement
  • Free Special MMDA Personalized Checks
  • Free Fax service
  • Free Online Banking
  • Business Credit Cards

Paper Statement Available:  $2.25 per cycle

Types of Loans:

We offer a wide variety of loans to meet all of our customers needs. From buying a home or starting a business, to running a farm or purchasing a vehicle, we’re here to help!  Check our following loan options:
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  • Vehicle
  • Commercial Real Estate
  • Operating Lines of Credit
  • Commercial and Industry Loans
  • Agriculture
  • Operating/Production
  • Equipment
  • Livestock
  • Agriculture Real Estate

Online Banking:

Now you can manage all your accounts in a secure environment at your convenience!  With GNB Online Banking you are able to conduct all your bank business at your convenience, 24 hours a day, 7 days a week.  Just click on the “Online Banking” button on the GNB homepage to get started!

Cash Management Services

GNB also offers a variety of Cash Management Services, including sweep accounts, wire transfers and lockboxes.  For detailed information and applicable fees on Cash Management Services, please contact your local GNB branch.

Remote Deposit Capture

Deposit your checks from the safety and security of your office!  No need to take valuable time away from running to the bank to make sure your checks are deposited before the end of the business day!  GNB’s Remote Deposit Captures will save you time and money.  Contact your local GNB branch today to get set up and deposit your checks when you want!