Checking made easy

Bank your way, on your time. Choose a personal checking account that perfectly fits your needs, whether you want no-frills banking or an account including all the bells and whistles.

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  • Prime access checking
  • Preferred access checking
  • Access checking
  • Simple Checking
Prime access checking
Personal checking account - Prime access checking
Prime access checking

Your best way to maximize your money is with Prime Access Checking. Our premier checking account rewards you with the best rates we have to offer, plus exceptional benefits you’ve come to expect. Prime Access checking features our best interest rates, unlimited rebates of other banks’ ATM fees, overdraft protection, free checks, and more. Banking has never been more rewarding.

Best of all, there’s no fee for customers who maintain a balance of $2,500 in their checking account, with an aggregate balance of $50,0001.

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Preferred access checking
Personal checking account - Preferred access checking
Preferred access checking

Our flagship checking account features our top interest rates and exclusive benefits. With Preferred Access Checking, banking has never been more convenient. Learn about all of the features below, or click Open Now to create your account.

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Access checking
Personal checking account - Access checking
Access checking

Access Checking provides an expanded range of baking options, without the restriction of a minimum balance requirement. With favorable interest rates and great services, we’ll help your money grow. Learn about Access Checking requirements and features below, or click Open Now to begin today.

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Simple Checking
Personal checking account - Simple Checking
Simple Checking

Simple checking offers great, easy banking. There’s no monthly service fee when you enroll in online statements1, and no minimum balance requirement. Just a checking account with plenty of convenient services built in.

For those age 16-25, Simple checking offers rebates of other banks’ ATM fees up to $15 per month when you enroll in online statements1.

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Checking accounts made for your needs

Personal checking account - Prime access checking
Prime Access Checking
Maximize your money
The best rates and benefits we have to offer.
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Personal checking account - Preferred access checking
Preferred Access Checking
Exceptional Benefits
No ATM fees, preferred rates & great free services.
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Personal checking account - Access checking
Access Checking
Rewarding Relationships
Earn interest on your money & never pay an ATM fee.
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Personal checking account - Simple Checking
Simple Checking
Simple & Easy Banking
Free debit card, Online & Mobile Banking, Bill Pay, and Online Statements.
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Features
Interest Bearing Account
Preferred Deposit Rates
Best
Better
Good
N/A
Rebates of Non-GSB ATM Activity Charges
Unlimited
Unlimited
Unlimited
Up to $15 per month
for ages 16-258
Convenience
Free Visa Debit Card
Free Online Banking
Free Online Statements
Free Mobile Banking1
Free Overdraft Protection Transfers from Saving
Added benefits
Readyline Membership Fee- First Year Free7
Free Notary Service
Free Paper Statements
Free Small Safe Deposit Box
Free Consultation with GSB Wealth Management 5,6
Free Signature Guarantee
Free Checks
Free Signature Checks or 50% discount toward design of choice
Free Signature Checks or 50% discount toward design of choice
N/A
N/A
Terms
Minimum Requirements to Avoid Monthly Service Fee
$2,500 minimum balance
$50,000 aggregate balance2
$1,500 minimum balance
$25,000 aggregate balance3
Qualifying Direct Deposit & Active use of Debit Card4
Maintain monthly enrollment in Online Statements9
Monthly Service Fee
$25.00 if below minimum requirements
$20.00 if below minimum requirements
$15.00 if below minimum requirements
$5.00 if not enrolled in Online Statements
View Disclosures

Consumer accounts only. $50 minimum opening deposit required for all accounts.

1. Message and data rates may apply from your wireless carrier. Not all wireless carriers supported.

2. An average daily minimum balance of $2,500 must be maintained in the checking account and a $50,000 average daily minimum aggregate balance (inclusive of the amount maintained in the checking account) must be maintained in consumer deposits, loans (lines of credit are measured as the amount outstanding and not the full line of credit) and/or wealth management accounts. If the minimum requirements are not met, a $25 monthly service fee will apply and rebates of Non-GSB ATM Activity Charges will be forfeited. Accounts must be open during the full account statement period to receive the rebates. Accounts closed prior to a full statement period will not be eligible for the ATM fee rebates.

3. An average daily minimum balance of $1,500 must be maintained in the checking account and a $25,000 average daily minimum aggregate balance (inclusive of the amount maintained in the checking account) must be maintained in consumer deposits, loans (excludes first mortgages; lines of credit are measured as the amount outstanding and not the full line of credit) and/or wealth management accounts. If the minimum requirements are not met, a $20 monthly service fee will apply and rebates of Non-GSB ATM Activity Charges will be forfeited. Accounts must be open during the full account statement period to receive the rebates. Accounts closed prior to a full statement period will not be eligible for the ATM fee rebates.

4. Qualifying Direct Deposit must exceed $250 from an unrelated third party such as payroll, social security or veterans’ benefits and must occur monthly. Active use of Debit Card is defined as making one or more debit card purchases per month. If the minimum requirements are not met, a $15 monthly service fee will apply and rebates of Non-GSB ATM Activity Charges will be forfeited. Accounts must be open during the full account statement period to receive the rebates. Accounts closed prior to a full statement period will not be eligible for the ATM fee rebates.

5. GSB does not offer legal advice. You should seek specific advice regarding legal and tax matters from a qualified attorney. Products and services made available are not insured by the FDIC or any other agency of the United States and are not deposits or obligations of, nor guaranteed or insured by, any bank or bank affiliate. These products are subject to investment risk, including the possible loss of value.

6. GSB Wealth Management is a separate subsidiary of GSB. GSB Wealth Management is a registered investment advisor.

7. Subject to credit approval.

8. Primary account holders age 16-25 that are enrolled in Online Statements will receive rebates of ATM fees of up to $15 per month. Accounts must be open during the full account statement period to receive the rebates. Accounts closed prior to a full statement period will not be eligible for the ATM fee rebates.

9. The monthly service fee will be waived by maintaining monthly enrollment in Online Statements.

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