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 Online Banking & Billpay or at the ATM.  In other words, they have gone “green” and electronic banking is a good fit!

  • $100 minimum deposit to open an account.
  • Write 10 checks/paper debits per monthly statement at no charge, then only $.33 each after 10.
  • Unlimited electronic transactions (ACH, ATM, POS)
  • Paper Statement Available: $2.25 per cycle

Ask how you can take advantage of the following services available with our deposit products.

  • Debit card
  • Online banking
  • Mobile banking
  • Bill pay

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.

  • $100 minimum deposit to open an account
  • $8 monthly service charge waived with $1500 minimum daily balance.
  • Write 50 checks/ paper debits per monthly statement at no charge, then only $.23 per check after 50
  • Unlimited electronic transactions (ACH, ATM, POS)
  • Paper Statement Available:  $2.25 per cycle

Ask how you can take advantage of the following services available with our deposit products.

  • Debit card
  • Online banking
  • Mobile banking
  • Bill pay

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 minimum deposit to open an account
  • $10 monthly service charge waived with $1000 minimum daily balance.
  • Write 40 checks/ paper debits per monthly statement at no charge, then only $.16 per check/paper debit after 40
  • Unlimited electronic transactions (ACH, ATM, POS)

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
  • Paper Statement Available: $2.25 per cycle

Ask how you can take advantage of the following services available with our deposit products.

  • Debit card
  • Online banking
  • Mobile banking
  • Bill pay

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 minimum deposit to open an account
  • $14.98 monthly service charge.
  • Checks/paper debits $ .16 per item
  • Checks deposited $.09 per Item
  • Unlimited electronic transactions (ACH, ATM, POS)
  • Paper Statement Available: $2.25 per cycle

Accounts will be setup in Account Analysis to allow for Earnings Credit*.
Earning Credit may offset, but not exceed charges for:

    • ACH origination
    • Remote Deposit Capture
    • Wire Transfers

    *Earnings credit rate is set by the bank and adjusted periodically.
    *Negative collected Balance charge – GNBank 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. Our MMDA tiered interest allow you to improve your earnings as your balance increases. Contact one of our convenient locations to obtain information about our interest tiers.

  • $1500 minimum deposit to open an account
  • $15 monthly service charge is waived with $2500 minimum daily balance
  • Free personalized checks – limit one order per year
  • Free – choice of electronic or paper statement
  • Withdrawals in person, by mail or at the ATM are unlimited

Reg D Limitations: All Money Market accounts are limited by federal law to no more than 6 checks/debit transfers per month. $10 per month regulation D violation fee if a customer exceeds the 6 allowable transactions. 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.

Ask how you can take advantage of the following services available with our deposit products.

  • Debit card
  • Online banking
  • Mobile banking
  • Bill pay

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 GNBank 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 GNBank homepage to get started!

Cash Management Services

GNBank 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 GNBank 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!  GNBank’s Remote Deposit Captures will save you time and money.  Contact your local GNBank branch today to get set up and deposit your checks when you want!