With this checking account, you can earn 1% Cash Back (up to $30.00 per monthly statement cycle) on all signature-based debit card transactions*.

• Minimum to Open – $100.00
• If daily balance falls below $100.00, a monthly service charge of $5.00 will be charged.
• Statements issued monthly (eStatements are optional)
• No charge online banking (OLB)
• No charge bill pay
• No charge mobile banking
• 1% Cash Back (up to $30.00 per monthly statement cycle) on signature-based debit card transactions
• FDIC insured

*Signature-based debit card transactions are transactions where you do not enter your pin to process the transaction. Transactions include online transactions, ‘point of sale’ transactions where you choose credit or ask for the transaction to be processed as a credit or where you sign to authorize the transaction rather than enter your PIN. Only transactions received by GBT as a signature-based debit card transaction will qualify for cash back. Transactions must post to and clear your account during the monthly statement cycle. No cash will be earned on debit card transactions where your PIN is used or any other type of electronic transactions. Cash rewards will be credited to the account the day after the monthly statement drops.

• Minimum to Open – $1,000.00
• If daily balance falls below $1,000.00, a monthly service charge of $9.99 will be charged.
• Allowed 3 debits per cycle; $3.00 each thereafter
• Minimum Balance to obtain APY disclosed – $1,000.00
• Variable Interest Rate
• Earnings compounded and credited monthly
• Earnings computation is based on daily balance
• Statements issued monthly (eStatements are optional)
• No charge online banking (OLB)
• No charge bill pay
• No charge mobile banking
• FDIC Insured

With this interest-bearing checking account you can earn 1.75% APY* and nationwide ATM fee refunds,* no matter whose machine you use.

• Minimum to Open – $100.00
• If daily balance falls below $500.00, a monthly service charge of $9.99 will be charged.
• No Minimum Balance to obtain APY disclosed
• Variable Tiered Interest Rate
• Earnings compounded and credited monthly
• Statements issued monthly (“Monthly Qualification Cycle”)
• No paper statements (eStatements only)
• Online Banking (OLB) required
• No charge bill pay
• No charge mobile banking

If qualifications are met:
• 1.75% APY* on balances up to $15,000 (rate is subject to change)
• 0.10% APY* on balance over $15,000 (rate is subject to change)
• Nationwide ATM fee refunds ($30.00 CAP)

If qualifications are NOT met:
• 0.02% APY* (rate is subject to change)

Qualifications per cycle (“Monthly Qualification Cycle”):
• A minimum of 15 debit card point-of-sale (POS) transactions that post and settle
• A minimum of 1 direct deposit or recurring ACH payment posted and settled
• Receive eStatements (required)

*Qualifying transactions must post to and settle to the GBT Hometown Rewards Checking Account during the monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post to and settle the account. ATM-processed transactions do not count toward qualifying debit card transactions. “Monthly Qualification Cycle” means a period beginning one day prior to the first day of the current statement cycle through one day prior to the close of the current statement cycle. The advertised GBT Hometown Rewards Checking APY* is based on compounding interest. The actual interest amount paid may be less than the advertised GBT Hometown Rewards Checking APY. Other bank ATM fees will be calculated to the best of the bank’s knowledge based on the incoming data received from the bank’s EFT processor for fee refunds and will not exceed $30.00.

*APY=Annual Percentage Yield. APYs accurate as of 01/25/2023. Rates may change after account is opened. Minimum to open is $100 for GBT Hometown Rewards Checking. GBT Hometown Rewards Checking, if qualifications are met each monthly qualification cycle: (1) Domestic ATM fees incurred during qualification cycle will be reimbursed and credited to account on the last day of monthly statement cycle and will not exceed $30.00; (2) balances up to $15,000 receive APY of 1.75%; and (3) balances over $15,000 earn 0.10% interest rate on the portion of the balance over $15,000. If qualifications are not met on GBT Hometown Rewards Checking all balances earn 0.02% APY. Qualifying transactions must post to and settle GBT Hometown Rewards Checking account during monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post to and settle account. ATM-processed transactions do not count towards qualifying debit card transactions. “Monthly Qualification Cycle” means a period beginning one day prior to the first day of the current statement cycle through one day prior to the close of the current statement cycle. The advertised GBT Hometown Rewards Checking APY is based on compounding interest. Rates may change after the account is opened. Fees may reduce earnings. Other bank ATM fees will be calculated to the best of the bank’s knowledge based on the incoming data received from the bank’s EFT processor for fee refunds.

Maintain checking privileges while getting big returns on your money with the GBT Gold Medallion Account. Get free checks and tiered rates that reward higher balances with better returns. This account is available to individuals, sole proprietors, and non-profits.

• Minimum to open – $5,000.00
• If daily balance falls below $5,000.00, a monthly service charge of $10.99 will be charged.
• Minimum Balance to obtain APY disclosed – $5,000.00
• Variable Tiered Interest Rate
• Earnings compounded and credited monthly
• Earnings computation is based on daily balance
• Statements issued monthly (eStatements are optional)
• No charge online banking (OLB)
• No charge bill pay
• No charge mobile banking
• No charge GBT checks (1 box per 12 months)
• FDIC insured

*APY=Annual Percentage Yield. APYs accurate as of 01/25/2023. Rates may change after account is opened.

Get the convenience of a checking account and the interest rate of a savings account. A Consumer NOW Account from Gibsland Bank & Trust gives you a handsome return on your money while still offering checking privileges to access your money when you need it. It’s the best of both worlds!

• Minimum to Open – $1,000.00
• If daily balance falls below $1,000.00, a monthly service charge of $9.99 will be charged.
• Allowed 75 debits per cycle; $0.20 each thereafter
• Minimum Balance to obtain APY disclosed – $1,000.00
• Variable Interest Rate
• Earnings compounded and credited monthly
• Earnings computation is based on daily balance
• Statements issued monthly (eStatements are optional)
• No charge online banking (OLB)
• No charge bill pay
• No charge mobile banking
• FDIC Insured

*APY=Annual Percentage Yield. APYs accurate as of 01/25/2023. Rates may change after account is opened.

Get an excellent interest rate and checking privileges too with this hybrid account. The GBT Shield Money Market Account offers you an easy way to make the most of your money without putting it somewhere out of reach, providing maximum return with maximum convenience!

• Minimum to Open – $2,500.00
• If daily balance falls below $2,500.00, a monthly service charge of $9.99 will be charged.
• Allowed 3 debits per cycle; $3 each thereafter
• Minimum Balance to obtain APY disclosed – $2,500.00
• Variable Interest Rate
• Earnings compounded and credited monthly
• Earnings computation is based on daily balance
• Statements issued monthly (eStatements are optional)
• No charge online banking (OLB)
• No charge bill pay
• No charge mobile banking
• FDIC insured

*APY=Annual Percentage Yield. APYs accurate as of 01/25/2023. Rates may change after account is opened.