FAQ’s – Frequently Asked Questions

How do I open an account?

GNBank offers several account options designed to meet the varying needs of our customers. To provide you with the best possible information, we ask that you visit your nearest GNBank Branch or contact us at (888) 675-8223.

How do I close an account?

Your signature is required to process this type of request.  If you are unable to visit a GNBank branch, please send your signed request to your local branch.

Are My Deposits Insured?

FDIC insurance covers all deposit accounts, including checking and savings accounts, money market deposit accounts and certificates of deposit. The standard insurance amount is $250,000 per depositor, per insured bank, for each account ownership category.
Visit the FDIC website for more information about insurance coverage of noninterest-bearing transaction accounts.

How can I report a lost or stolen debit card after hours or on weekends?

Please call 800-523-4175 to report a debit card lost or stolen after hours, weekends or on a holiday.

How do I order checks?

If you have the reorder slip from your last order of checks and wish to keep the same style, you may contact your local branch to place a reorder.  You may now also reorder your checks online.  Please click here.

Who should I contact regarding a general question on my account?

Call or visit your nearest GNBank branch for assistance.  You can also use our Contact Us page or Secure Email

Can I use my debit card at an ATM?

Yes.  Your debit card works at over 36,000 ATMs across the country on the STAR network.

Are there any monthly or annual fees for my debit card?

No, there are no monthly or annual fees for the debit card.

Are there fees for using my debit card?

There are no fees for using your debit card. However, account transaction fees and/or non-network ATM surcharges may apply when using your debit card at a foreign ATM.

Can I apply for an account if I am under 18?

If a child/minor (under 18 years) is old enough to have his/her own money and handle an account (for instance, a child understands the concept of the account and the terms of ownership), a child/minor can open an account in his/her own name. The child/minor could add a parent to the account as an authorized signer if the child/minor wanted the parent to be able to withdraw or transfer funds. The child/minor may designate a payable on death beneficiary for their account. To apply for an account, a child/minor should call or visit their local GNBank branch.

Can I apply for an account if I do not live in the United States? What if I live in the United States but I am not a U.S. citizen?

We accept deposit account applications only from people who reside within the United States and who have valid identification.

Who do I call if I need assistance?

You may call your local GNBank branch.  For a listing of branches and telephone numbers, please click here.

Whom do I call with questions about opening an account?

You may call your local GNBank branch. For a listing of branches and telephone numbers, please click here.

What is Online Bill Pay?

Online bill pay is a service that allows you to set up electronic payments to whomever you select. You select or create the person or company you wish to make a payment. Bill pay will then withdraw the money from your account on the payment date (that you selected) and send the payee either a paper check or electronic payment. You may schedule payments well in advance, and may set up one-time or recurring payments.

Who can use bill pay?

Anyone who has a checking account and online banking may sign up for online bill pay services. 

Whom may I make payments to with Online Bill Pay?

You may pay anyone for whom you provide the following information: name of the payee; address of the payee; your payee account number; amount of payment; date of payment; one-time or re-occurring payment.

Whom should I contact if I have an Online Bill Pay question?

Should you have any questions regarding a payment, please call your local GNBank branch or login to Online Banking and send us a secure message.  For a listing of branches and telephone numbers, please click here.