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Business Accounts and Services


Small Business/Ag Checking

Not-For-Profit Checking

  • No monthly service fee up to 250 items
  • Excess transactions are $0.25 per item
  • Free Check Image Statements
  • Free Telephone and Mobile Banking
  • Visa check card*
  • No monthly service fee
  • Unlimited check writing
  • No minimum balance requirement
  • Free Check Image Statements
  • Free Telephone and Mobile Banking
  • Visa check card*

Tiered Savings Account

  • Convenient & Easy Funds Transfers
  • Maintain average balance of $1,000 or pay $1.00/withdrawal over 3 per month
  • Earn Tiered Interest monthly on Average Balance
  • $1 - $9,999                  $25,000 - $74,999
  • $10,000 - $24,999       $75,000 - Higher
  • Free Online Banking
  • Free Check Image Statements
  • $100 Minimum Opening Deposit

Business Options

Cash Management Services

Advanced Business Online Banking

The Gifford State Bank offers numerous services important to your business’s daily operation such as cashier’s checks, stop payments, wire transfers and cash and coin orders. We make managing your business accounts convenient and easy. Let our experienced business professional department help you determine which services best fit your needs.

We have an Internet-based system which is more advanced than the one available to consumers. This enables managers to create and authorize individual internal logon credentials, allowing employees to view and or access cash management features. Online Banking gives you access to your accounts and the movement of funds 24 hours a day, 7 days a week. You may view your account balance and activity, reconcile your accounts using the online statements, see your pending transactions, make immediate transfers between accounts, and download your account transactions to financial management software

Business Bill Pay

Enroll in bill pay from your online banking page for $4.95 per month. You can set up a one-time or reoccurring payment to anyone you would otherwise write a check. Payees can be quickly set up—all you need is a copy of your paper bill to retrieve account numbers and payee information. You can view, modify or even cancel your payments online.

Automatic Clearing House (ACH) Origination Services

ACH Payroll Services

ACH Debits (ACH Collections)

Pay your employees through direct deposit with our ACH electronic system at a fee of only $40.00 a month. You can easily upload payroll information from your accounting software or enter it directly into our user-friendly system.  

This system allows you to provide another service to your customers by collecting their payment electronically. At the same time, you can eliminate costly check processing, reduce operating expenses, and improve availability and predictability of your cash flow. Check with Bank representative for associated fees.

ACH Credits

The Automated Clearing House (ACH) is an electronic system used to transfer funds between banks or anyone that accepts electronic transfers.



Copyright © 2015 Gifford State Bank. All rights reserved. Member FDIC. Equal Housing Lender