Compare Our Accounts

START BANKING YOUR WAY WITH GBT.

Open an account today that fits your lifestyle. Whether you want cash back, high interest or savings options, we’ve got the account for you. GBT offers all of the modern technology and financial services found at larger banks, but with the added benefit of exceptional customer service and personalized attention you’ll only find at a locally owned community bank.

*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 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 statement drops.

FeaturesCashBackRewardHometown BasicGold MedallionNOWGBT Shield Money Market
Minimum Opening Deposit$100$100$100$100$5,000$1,000$2,500
Monthly Service Charge$0$0$0$6.99 for balances less than $300$10.99 for balances less than $5000$9.99 for balances less than $1,000$9.99 for balances less than $2,500
Interest Bearing
No Charge OLB & Mobile
No Charge Bill Pay
No Charge e-Statements
Free GBT Logo Checks 1 box per year
Transaction Limits
Special Features1% cash back on signature based debit card transactions4.11% APY interest earned on up to $15,000 if requirements are metNo checks issued for this accountNo charge for 1st year 3x5 safe deposit rental
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CashBack Checking

With this checking account you can earn 1% Cash Back (up to $50.00 per statement cycle) on all signature-based debit card transactions*. There are no minimum balance requirements or service charges.

• $100 Minimum to Open
• No Monthly Service Charge
• No Minimum Balance Requirements
• 1% Cash Back (up to $50 per statement cycle) on signature -based debit card transactions
• Statements issued monthly

*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 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 statement drops.

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GBT Hometown Reward Checking

Gibsland Bank & Trust has brought a new kind of checking account to northern Louisiana. With this interest bearing checking account you can earn 4.11% APY* and nationwide ATM fee refunds,* no matter whose machine you use. There are no minimum balance requirements or service charges—just checking with a great rate!

• $100 Minimum to Open
• No Minimum Balance to Accrue Interest
• Variable Tiered Interest Rate
• No Monthly Service Charge
• No paper statements (eStatements only)
• Online Banking (OLB) required

If qualifications are met:

• 4.11% APY* on balances up to $15,000
• 0.51% APY* on balance over $15,000
• Nationwide ATM fee refunds

If qualifications are NOT met:

• 0.15% APY*

Qualifications per cycle:

• A minimum of 15 debit card purchases post and settle
• A minimum of 1 direct deposit or recurring ACH payment posted and settled
• Receive eStatements (required)

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*APY=Annual Percentage Yield. APYs accurate as of 01/01/2014. Rates may change after account is opened. Minimum to open is $100 for GBT Hometown Rewards Checking and $1.00 for GBT Hometown REALSaver. 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; (2) balances up to $15,000 receive APY of 4.11%; and (3) balances over $15,000 earn 0.51% interest rate on the portion of the balance over $15,000, resulting in a range of 4.11% to 0.98% APY depending on the balance. If qualifications are not met on GBT Hometown Rewards Checking all balances earn 0.15% 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. Interest earned in GBT Hometown Rewards Checking is automatically transferred to GBT Hometown REALSaver each statement cycle and does not compound. Actual interest amount paid may be less than advertised GBT Hometown Rewards Checking APY. The GBT Hometown REALSaver APYs may be less than GBT Hometown Rewards Checking APYs. 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.

GBT Personal Checking eAccount

Simplify your life, and save paper too, by doing all your banking electronically. With the eAccount, you can set up automatic payments and pay bills online with free Bill Payer service, so you don’t have to run to the bank or bother with paper checks.

• Minimum to open $100
• No monthly service charge
• No checks issued for this account type
• No charge eStatements – customers must receive eStatements
• No charge online banking
• No charge mobile banking
• Monthly statements
• FDIC insured

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GBT Hometown Basic Checking

Come home to checking plus a whole lot more. Write all the checks you want and get other benefits that put this account ahead of the rest. Hometown Checking goes above and beyond to provide you with the ultimate checking account

• $100 Minimum to Open
• No charge for GBT Logo Checks (1 box per 12 months)
• $6.99 monthly charge waived on balances that do not dip below $300
• No charge debit card
• No charge online banking
• No charge eStatements
• No charge for 1st Year 3×5 Safe Deposit Box Rental (based on availability)
• Statements issued monthly
• FDIC insured

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GBT Gold Medallion Account

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.

• $5,000 minimum to open
• Balances over $5,000 earn interest
• Tiered rates structure for maximum returns
• $10.99 monthly charge waived on balances over $5,000
• No charge GBT logo checks (1 box per 12 months)
• Earnings compounded and credited monthly
• Online banking available
• No charge eStatements
• Statements issued monthly
• FDIC insured

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Consumer NOW Account

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!

• $1000 Minimum to Open
• $1,000 Minimum to Accrue Interest
• Variable Interest Rate
• Interest Computation on balance… Collected
• Interest will be compounded Monthly
• Interest Credited Monthly
• Statement Cycle Monthly

Allowed 75 withdrawals per cycle

• $0.20 per item charge above limit

Monthly Service Charge

• No charge for balances $1,000 and over
• $9.99 charge for balances $999.99 and below

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The GBT Shield Money Market Account

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!

• $2,500 Minimum to Open
• $2,500 Minimum Balance to Accrue Interest
• Variable Interest Rate
• Allowed 3 withdrawals per cycle; $3 each thereafter
• $9.99 monthly fee waived on balances over $2,500
• $9.99 monthly fee on balances $2,499.99 and below
• Earnings compounded and credited monthly
• Online banking available
• No charge E-Statements
• Statements issued monthly
• FDIC insured

Take a look at our rates! (link to rates)

Monthly Service Charges

• Under $2,500: $9.99
• $2,500 and above: NONE

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