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Here.
For You.

GRB provides support for businesses and individuals throughout the local community with commercial banking, home mortgage and personal services.

Here.
For You.

GRB advocates for business owners to help strengthen their enterprises and grow their workforce here at home.

Here.
For You.

GRB's local knowledge, competitive lending options and superior service help buyers purchase homes, deepening the roots of our community.

Here.
For You.

GRB offers competitive rates and personal banking services to support every stage of your life.

Here.
For You.

GRB blends personal service and technology solutions for banking tailored to meet your needs.

Here.
For You.

GRB supports businesses and individuals throughout the local community with business banking, home mortgage and personal services. 

Here.
For You.

GRB advocates for business owners to help strengthen their enterprises and grow their workforce here at home.

Here.
For You.

GRB's local knowledge, competitive lending options and superior service help buyers purchase homes, strengthening the roots of our community.

Here.
For You.

GRB blends personal service and technology solutions for banking tailored to meet your needs.

Here.
For You.

GRB offers competitive rates and personal banking services to support every stage of your life.

As the healthcare landscape continues to change, Health Savings Accounts (HSAs) have become an important and alternative way for your employees to save toward future health care expenses on a tax-exempt basis. The GRB Health Savings Account is an interest-bearing deposit account used in conjunction with a High Deductible Health Plan (HDHP). Contact GRB for more information or download our Health Savings Account Overview document for information about current HSA savings limits and other important considerations.

Features Tax Year 2017 Tax Year 2016

HSA Annual Contribution Limits

Individual coverage - $3,400

Family coverage - $6,750

Individual coverage - $3,350

Family coverage - $6,750

HSA Catch-up Contributions

$1,000 for an accountholder age 55 or older $1,000 for an accountholder age 55 or older

Minimum Deductible

Individual coverage - $1,300

Family coverage - $2,600

Individual coverage - $1,300

Family coverage - $2,600

Maximum Out-of-pocket Expenses

Individual coverage - $6,550

Family coverage - $13,100

Individual coverage - $6,550

Family coverage - $13,100

All tax references are at the federal level.  State taxes may vary.  Consult a tax advisor with questions.

Contact your insurance provider if you have questions as to whether your health coverae is HSA-qualified.  Other HSA elegibility criteria may apply.

Your personal contribution limit may be lower than the Internal Code maximums.  Individuals are responsible for monitoring their contribution limits.  Please consult your tax advisor with questions about how the limits may apply to your situation.

 

For Individuals

  • Pay for current medical expenses and save for future qualified medical and retiree health benefits, tax-free
  • Easy payment of medical expenses via a HSA debit MasterCard, online banking, or check
  • Qualified expenses include common doctor’s services, prescription drugs, vision and dental care, and hospital services
  • Contact us for more information

For Employers

  • Provides a lower cost health insurance option for employees
  • Employer contributions are not reported as employee income, and payroll deductions are made pre-tax, so you don’t pay FICA on these amounts
  • Contact us for more information
  • Rates

Here. For You.

As a privately held bank in Monroe County, we have a keen understanding of the region and can provide fast, common-sense decisions. By reinvesting deposits in loans locally, we help grow businesses and nurture neighborhoods.  To support the community, our team members contribute significant time, talent and treasure. 

In the face of continued bank mergers, acquisitions and consolidations,
GRB remains Here. For You.

 

Here...With Home Mortgage Support

At GRB, our experienced mortgage professionals deliver the highest level of service and local decision-making that expedites the process from pre-approval to closing. At GRB, we’re here for you. It’s why GRB has emerged as a leading local mortgage leader. 

Home Mortgage >

Here...To Help Grow Rochester Business

Begin quote symbolFor both business and personal banking, GRB has been here for us and embraces the Isaac motto 'when you need us, we'll be there.'End quote symbol
Ray Isaac, Isaac Heating and Air Conditioning
Commercial Banking >

Here...For Your Day-to-Day Banking Needs

We understand your personal banking needs are unique, so we offer a comprehensive range of products. Whether it’s managing your day-to-day banking, purchasing a new or used car, remodeling the basement, or putting on that new addition, GRB can help.
Personal Banking >

Here...For Rochester Blog

Stop by our Branches for GRB
Stop by our Branches for GRB "Your Business" Days

It's "Your Business" and it means everything to you.  At GRB, we understand.  To help you keep your business growing, we are pleased to invite you to GRB's "Your Business" Day at each of our branch locations.  During the third week in June, stop by and find out how GRB can help you boost your business banking benefits and streamline your personal banking needs, including:

  • Financing solutions when it’s time to grow
  • Reduce costs with GRB credit card processing
  • Collect your receivables faster
  • Secure the most competitive deposit rates
  • Use your GRB relationship to help your employees save money
  • Learn about managing Health Savings Accounts
  • Demo personal banking tools to make your financial life easier

You will find many helpful GRB team members ready to talk about your business needs.  In addition, there will be food and prizes.  Come see us:

Greece

8:30 a.m. to 2 p.m. on Wednesday, June 21

Pittsford

9 a.m. to 2 p.m. on Thursday, June 22

Winton

11 a.m. to 1 p.m. on Friday, June 23

Planning to attend?  Let us know on Facebook or RSVP online.  We look forward to seeing you there!

Same-Day Check Processing Begins July 5
Same-Day Check Processing Begins July 5

Beginning July 5, 2017, checks you have written will now post to your account on the same day they are received by GRB (typically by 1 PM that day).  Previously, checks clearing your account were processed in the evening and didn’t affect your available balance until the following morning. 

The change applies to both individual customer and business accounts.  Up-to-date balances will be reflected in online banking and in the cash available for withdrawal at ATMs.

Same-day check processing provides a more accurate, real-time view of your account and allows you to plan more carefully.  To view your updated balance, simply log-in to your GRBonline account after 1 p.m.  If additional funds are needed to cover checks you have written, you can transfer money online from other accounts or stop in to a GRB branch before close of business.

No other account changes will occur at this time.

Don't Sing the Blues...Get Your Tickets for GRB Blues Bash 2017
Don't Sing the Blues...Get Your Tickets for GRB Blues Bash 2017

We are happy to announce that GRB is the presenting sponsor for Blues Bash 2017, a one-day-only celebration of blues music with an incredible line up of artists. Slated for Saturday, May 20, Blues Bash will include performances by Rochester favorite Steve Grills, internationally acclaimed guitarist Joe Beard, the soulful Alexis P. Suter Band, singer and harmonica player Tad Robinson and acclaimed blues guitarist, bandleader and producer Dave Specter.

You can go to one, two, three, or all four events. The “Bash Pass” ($50 presale) provides unlimited access to the Bash from beginning to end. Walk-up single tickets will be available on the day of the event for $20 per concert.

Blues Bash 2017 will be held at the Lyric Theatre, 440 East Avenue, in the heart of the Neighborhood of the Arts.  There will also be food trucks and a cash bar.

“Our community has a rich musical history and we are proud to be bringing another signature event to the Rochester stage," said GRB President and CEO Philip Pecora.  "With an outstanding lineup of award-winning artists and the Lyric Theatre as the venue, GRB Blues Bash 2017 promises to be a fantastic opportunity for blues fans and music fans alike.”

Advance tickets are available at all three area GRB branch locations, as well as online at http://bit.ly/GRBbluesbash