Deposit Product Details

Account
Type

Pays
Interest

Minimum
Deposit
to Open

Monthly
Service
Charge

E-CheckingNo$50None
NOW CheckingYes$100Tiered
Pay-Check-Plus CheckingYes$100$7
Money Market Deposit AccountYes$2,500 Tiered
Graham Savers AccountYes$50Tiered
Certificates of DepositYes$1,000 – $2,500None
Individual Retirement AccountsYes$10None
Share Loans Secured by Graham Savings Deposit AccountN/AN/AN/A

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GRAHAM SAVINGS E-CHECKING

MINIMUM BALANCECHECKS PROCESSED FREE MONTHLYMONTHLY SERVICE CHARGE
None RequiredUnlimitedNone

  • Minimum opening balance $50
  • E-Statements required
  • Check orders at customer expense
  • Restrictions apply/ See new account representative for full disclosures that may apply

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GRAHAM SAVINGS NOW CHECKING

MINIMUM BALANCECHECKS PROCESSED FREE MONTHLYMONTHLY SERVICE CHARGE
$600 ABOVEUnlimitedNone
$500 to $59930$4.00
$400 to $49930$5.00
$300 to $39930$6.00
Under $29930$7.00

An additional service charge of $.25 will be charged for each check processed in excess of 30 during a statement cycle.  This fee will not apply with a daily balance of $600 or more per statement cycle.

  • Minimum opening balance $100
  • Interest bearing account
  • FREE – 1st order of 120 personalized stock checks.
  • Restrictions apply/ See new account representative for full disclosures that may apply

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GRAHAM SAVINGS PAY-CHECK-PLUS CLUB ACCOUNT

MINIMUM BALANCECHECKS PROCESSED FREE MONTHLYMONTHLY SERVICE CHARGE
None Required75$7.00

  • Minimum opening balance of $100
  • Interest bearing account
  • Restrictions apply

An additional service charge of $.25 will be charged for each check processed in excess of 75 during a statement cycle.

  • Free personalized stock checks
  • Free notary service
  • Free money orders
  • Free automatic drafts for loan payments
  • Free $10,000 accidental death and dismemberment insurance coverage*
  • Additional insurance coverage available*/See new account representative
  • Up to $5,000 Identity Fraud Expense
  • Credit Card Registration
  • Restrictions apply/ See new account representative for full disclosures that may apply

*Insurance products: Are not deposits, not FDIC insured, not insured or backed by any other government agency, are not guaranteed by the bank, and may go down in value.

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GRAHAM SAVINGS MONEY MARKET

MINIMUM BALANCEMONTHLY SERVICE CHARGE
$2,500 & AboveNone
Under $2,500$7.00

  • An additional withdrawal fee of $1.00 will be charged for each withdrawal in excess of SIX during a statement cycle.
  • Restrictions apply/ See new account representative for full disclosures that may apply

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GRAHAM SAVINGS SUPER MONEY MARKET

MINIMUM BALANCEMONTHLY SERVICE CHARGE
$10,000None
$9,999.99 & Below$7.00

  • An additional withdrawal fee of $1.00 will be charged for each withdrawal in excess of SIX during a statement cycle.
  • Restrictions apply/ See new account representative for full disclosures that may apply

GRAHAM SAVERS ACCOUNT

  • Minimum opening deposit of $50 is required
  • No deposit restrictions
  • Interest bearing account
  • Restrictions apply/See new account representative for full disclosures that may apply

A low balance fee of $2.00 will be imposed every statement cycle if the balance in the account falls below $50.00 any day of the cycle.  An additional withdrawal fee of $1.00 will be charged for each withdrawal in excess of SIX during a statement cycle.

CERTIFICATES OF DEPOSITS & INDIVIDUAL RETIREMENT ACCOUNTS

Contact our Savings department for term and rate information.

SHARE LOANS

Graham Savings offers Share Loans that are secured by a Graham Savings CD or Savings account. The rate on the loan is determined by the interest being paid on the account.