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
Super Money Market Deposit AccountYes$10,000Tiered
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 a 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 a 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
  • Accidental Death & Dismemberment Insurance1 (coverage divides equally on joint accounts and reduces by 50% at age 70)
  • Up to $5,000 Identity Theft Expense Reimbursement Coverage1
  • Debit and Credit Card Registration*

 

*Registration/activation required.

1Special Program Notes: The description herein are summaries only and do not include all terms, conditions and exclusions of the Benefits described. Please refer to the actual insurance documents for complete details of coverage and exclusions. Coverage is provided through the company named on the certificate of insurance.

Insurance products are not insured by the FDIC or any Federal Government Agency; Not a deposit of or guaranteed by the Bank or any Bank Affiliate.

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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 a 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 a 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 a 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.