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Consumer Accounts and Services

 
GSB Free CheckingGSB Plus Checking
  • Unlimited Check Writing
  • No Minimum Balance
  • No Monthly Service fee
  • Visa Check Card*
  • Free Check Image Statements
  • Free Internet Banking
  • Free Telephone & Mobile Banking
  • Discounted Specialty Wallet Checks
  • Free Notary Services
  • $100 Minimum Opening Deposit
  • .25% discount* on installment loans with auto pay
  • Unlimited Check Writing
  • Maintain $500 Minimum Balance or pay $5.00 / mo.
  • Earn Interest when Daily Balance is $1,000 or More
  • Visa Check Card*
  • Free Check Image Statements
  • Free Internet Banking
  • Free Telephone and Mobile Banking
  • Discounted Specialty Wallet Checks
  • Free Notary Services
  • $100 Minimum Opening Deposit
  • .25 % discount* on installment loans with auto pay
55 Checking (persons 55 & older)Apex Checking
  • Unlimited Check Writing
  • No Minimum Balance
  • No Monthly Service Fee
  • Earned Interest when daily balance is $1,000 or more
  • Visa Check Card*
  • Free check Image Statements
  • Free Internet Banking
  • Free Telephone & Mobile Banking
  • Free Specialty Wallet Checks
  • Free Notary Services
  • $100 Minimum Opening Deposit
  • .25% discount* on installment loans with auto pay
  • Unlimited check Writing
  • Maintain $2,500 Minimum Balance or pay $10.00 / mo.
  • Earn Tiered Interest on Average Balance $1-$9,999, $10,000-$24,999, $25,000-$74,999, $75,000- higher
  • Visa Check Card*
  • Free Check Image Statements
  • Free Internet Banking
  • Free Telephone and Mobile Banking
  • Free Specialty Wallet Checks
  • Free Cashier Checks and Money Orders
  • Free Notary Services
  • $100 Minimum Opening Deposit
  • .25 % discount* on installment loans with auto pay
eCheckingHealth Savings Account (HSA) Checking
  • Unlimited check Writing
  • Maintain $500 Minimum Balance or pay $5.00/mo.
  • Earn Interest when Daily Balance is $1,000 or More
  • Visa check Card*
  • Free Electronic Check Image Statements
  • Free Internet Banking
  • Free Bill Pay (Inactive Bill Pay Account will be closed after 90 days)
  • Free Telephone and Mobile Banking
  • Free Notary Services
  • $100 Minimum Opening Deposit
  • Paper Statement Opt Out Required
  • No Monthly or annual Service Fees
  • Earn Tiered Interest on Average Balance $1-$999, $1,000-$4,999, $5,000-$24,999, $25,000-Higher
  • Visa Check Card*
  • Free check Image Statements
  • Free Internet Banking
  • $100 Minimum Opening Deposit
(See The Gifford State Bank HSA handout for eligibility.)
Apex Tiered Savings AccountChristmas Savings Account
  • $1.00/withdrawal over 6 per month
  • Earn Tiered Interest Monthly on average Balance $1-$9,999, $10,000-$24,999, $25,000-$74,999, $75,000-Higher
  • Free Internet Banking
  • $100 Minimum Opening Deposit
  • Interest Compounded Daily
  • Interest Credited Annually
  • $5 Minimum Opening Deposit
  • Penalty for Early Withdrawal
  • Check sent for balance of account on or around October 15

 

*Subject to bank approval

Contact us for further information about our products and services.
 217-568-7311
Investment Planning
Certificates of Deposit (CDs)Individual Retirement Accounts (IRAs)
  • Invest in a standard certificate of deposit at The Gifford State Bank with as little as $500. Certificate of deposit terms range from one month to 60 months. Our interest rates are competitive and we periodically offer CD specials. CDs are automatically renewable and the interest may be compounded or paid directly to your checking or savings accounts with The Gifford State Bank. Please call or come in to any of our branches for current rates.
  • A Traditional IRA is a special tax deferred savings plan authorized by the Federal Government to encourage you to accumulate money for retirement.
  • A Roth IRA is an individual retirement account to which participants are able to make non-deductible contributions (earnings can be tax free).
Other Products & Services
  • Visa® Check Card*- Get money from ATM's and have your purchases from stores and restaurants automatically deducted from your checking account

 

  • Safe Deposit Box - Please call your location for pricing and availability.
  • Telephone Banking - Our telebanking number is (217) 568-7172.
  • License Plate Sticker Renewals - Renew your Illinois License Plate Stickers with us for a fee of $5.50. License stickers must be paid with cash or Gifford State Bank check. Not available for all vehicle classes.
    Copyright © 2015 Gifford State Bank. All rights reserved. Member FDIC. Equal Housing Lender