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Managing Deposits & Cash

Checking

GRB offers an array of checking accounts to meet the specific needs of your business, including analyzed accounts where earnings credit can help offset fees.

 

 

  Business Checking Business Checking with Interest Analyzed Checking
Ideal if you…

have moderate transaction activity levels

are a not-for-profit or a sole proprietor

have high activity and utilize

cash management services

Minimum to Open $100 $100 $100
Minimum Balance $2,500 $2,500 N/A
Monthly Service Charge* $15 $25 Dependent on account balances and activity levels
Earns Interest No Yes No
Eligible for Earnings Credit No No Yes
MasterCard Debit Card Free Free Free
ATM Foreign ATM fees reimbursed per month, up to $10 per signer Foreign ATM fees reimbursed per month, up to $10 per signer Foreign ATM fees reimbursed per month, up to $10 per signer
Online Banking Free Free Free
Bill Pay Free Free Free
eStatements Free Free Free
Overdraft Protection Available Available Available
Transactions Per Month Determined by relationship Limit of 75 Unlimited

*Monthly charge applies only if the account falls below the average daily balance for the monthly statement cycle.

 

Savings

To meet the dynamic nature of your business, GRB offers a variety of savings vehicles as well as automated sweep services.

 

  Statement Money Market ICS
Ideal if you… need flexibility in transaction activity want to earn higher interest and can maintain a $2,500 daily average balance need a more liquid savings alternative  for large balances with the added security of FDIC insurance
Minimum to Open $25 $2,500 $2,500
Minimum Balance $100 $2,500 to earn interest $2,500 to earn interest
Monthly Service Charge* $5 $10 N/A
Earns Interest Yes Yes Yes; call for rates
Online Banking Free Free Free
eStatements Free Free Free
Transactions Per Month 6 6** 6**

*Monthly service charge will apply if the average monthly balance falls below the account minimum.

** Maximum allowed per Federal Regulation D.

 

Enhanced FDIC Coverage

GRB is a member of the Promontory Interfinancial Network, and offers Certificates of Deposit and Money Market Accounts with multi-million dollar FDIC coverage.

 

Investment Sweep

Maximize your cash with GRB’s investment sweep. On a daily basis, GRB will automatically transfer excess balances into an interest-bearing account, allowing your business to earn a competitive rate of return on your funds.

 

Loan Sweep

GRB’s loan sweep links your business checking account and line of credit. Line advances and paydowns are initiated automatically as needed.

 

Zero Balance Accounts

GRB’s zero balance account allows you to fund multiple child accounts from one parent account.