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.

 Tax Year 2017Tax 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 Heading 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

GRB Mortgage Starts New Year with Benefit for Open Door Mission
GRB Mortgage Starts New Year with Benefit for Open Door Mission

As a residential mortgage provider, GRB has the pleasure of helping hundreds of individuals and families buy homes each year.  As we begin the new year and feel the temperatures dropping outside, it's hard not to think about those who cannot come home to a warm, safe home.  In Rochester and Monroe County, those who are homeless number in the hundreds on any given night. 

To help the Open Door Mission, one of our community's leading resources for the homeless, GRB Mortgage will donate $25 for every home mortgage application taken in the month of January 2017.  GRB is also collecting donations of coffee, sugar, paper products, bath towels, socks and underwear for men, boots and clothing for women and children, men's flipflops and twin bed sheets.  The donation box is in our lobby at 1850 South Winton Road.

More Merchants Requiring a PIN with Debit Transactions
More Merchants Requiring a PIN with Debit Transactions

Whether you are shopping brick and mortar or online, making sure you are able to do so in a secure manner and as easily as possible is crucial. Please note the following tips:

More Merchants are Requiring a PIN with Debit Transactions - In an effort to reduce fraud, many merchants are requiring that debit card users input their Personal Identification Number (PIN) for transactions.  This may be a new policy for merchants that have never required a PIN or signature for debit transactions in the past.  Make sure you know your PIN if using your debit card.  If prompted during a transaction, still select "debit" at the merchant's terminal then enter your PIN. 

Stay Safe from Fraud when Shopping Online - During the holidays, you may significantly expand the number of merchants you deal with online.  This can provide additional exposure for fraud.  The Federal Trade Commission recommends a number of simple safeguards for online shopping to keep your financial information secure.  Please see the additional article on our Blog for details.

GRB Moves Up in Top 100 Rankings
GRB Moves Up in Top 100 Rankings

“Appearing on the Top 100 list is a tremendous honor.  This year, I cannot say enough about the employee team here at GRB.  Through the move to our new headquarters and all the growth in our business, they remained focused and continued to deliver the high level of personal service that sets us apart as a community bank,” said GRB President and CEO Phil Pecora.  “We are also pleased to note that quite a few of our partners and customers were also recognized on this year’s Top 100 list.  It is a pleasure to work with quality organizations that have made such a positive impact on our community.” 

The Top 100 program recognizes Rochester’s reputation as a region of innovation spurred by a strong entrepreneurial spirit.  To be eligible for the Rochester Chamber Top 100, businesses must be independent, privately held, headquartered in the nine-county Finger Lakes region, and have revenue of at least $1 million in each of the three most recent fiscal years. 

The 2016 Rochester Chamber Top 100 companies combined for nearly $14 billion in revenue and employed more than 104,000 people in the last fiscal year.