Business
Checking Accounts
Small Business/Ag Checking
- No monthly service fee up to 250 items
- Excess transactions are $0.25 per item
- Check Image Statements
- Online and Telephone Banking
- Mobile Phone and Tablet App
- Visa check card*
- $100 Minimum Opening Deposit
*Subject to bank approval.
Not-For-Profit Checking
- No monthly service fee
- Unlimited check writing
- No minimum balance requirement
- Check Image Statements
- Online and Telephone Banking
- Mobile Phone and Tablet App
- Visa Check Card*
- $100 Minimum Opening Deposit
*Subject to bank approval.
Savings Accounts
Tiered Savings Account
- Convenient & Easy Funds Transfers
- Earn Tiered Interest Monthly on Average Balance
- Up to $9,999.99
- $10,000 - $24,999.99
- $25,000 - $74,999.99
- $75,000 - Higher
- Check Image Statements
- Online and Telephone Banking
- Mobile Phone and Tablet App
- $100 Minimum Opening Deposit
Cash Management Services
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.
BizPay
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.
ACH Services
- Payroll services
- Credit
- Debit
eBills
- One-stop bill management tool
- Provides full PDF bill images from thousands of billers
- Automated linking
- Comprehensive setup wizard that ensures the greatest benefits and improving financial lives
Credit Cards
Standard Business Card
Features:
- No annual fee.
- Competitive ongoing APR1.
- 25-day interest-free grace period on all purchases. No grace period on cash advances.
- Individual and summary billing options.
Benefits:
- 24-hour toll-free live customer assistance available at 800-367-7576.
- Online account information available 24/7 at www.cardaccount.net.
- Rental car collision damage waiver protection and a host of extraordinary MasterCard® benefits.
Fees:
- Other fees may be charged, these fees are listed on the downloadable application.
Business Card / Preferred Points Rewards
Features:
- Earn one reward point for each dollar spent, up to 10,000 points per month.
- Low annual fee of $49.00 per account.
- Competitive ongoing APR1.
- 25-day interest-free grace period on all purchases. No grace period on cash advances.
- Individual billing option only.
Benefits:
- Redeem your rewards points for cash-back awards, retail gift cards, travel and a wide variety of merchandise including cameras, mp3 players, home theater systems, portable DVD players, sporting equipment, jewelry, luggage, electronics, video game equipment, gift cards and more.
- To view or redeem rewards points, visit www.mypreferredpoints.com or call 866-678-5191.
- 24-hour toll-free live customer assistance available at 800-367-7576.
- Online account information available 24/7 at www.cardaccount.net.
- Rental car collision damage waiver protection and a host of extraordinary MasterCard® benefits.
Fees:
- Other fees may be charged, these fees are listed on the downloadable application.
Application Information
To apply, click on one of the "Apply" buttons above. Then either:
- Fill out the necessary information and then print the application (you cannot save the document, so print an extra copy for yourself), OR
- Print the application and then complete it using a blue or black pen.
Paper applications are also available at your local branch office.
Supporting documents vary depending on the type of business you have. See chart below.
|
Sole Proprietor |
Partnership |
Private Corporation |
Public Corporation |
Non-Profit |
| Application |
✓ |
✓ |
✓ |
✓ |
✓ |
| Organizational Papers |
✓ |
✓ |
✓ |
✓ |
✓ |
| Borrowing Resolution |
|
✓ |
✓ |
✓ |
✓ |
| Financial Statements |
|
✓ |
✓ |
✓ |
✓ |
| Personal Guaranty |
✓ |
✓ |
✓ |
|
|
| Personal Tax Return |
✓ |
✓ |
✓ |
|
|
Your completed application can be submitted in one of the following ways:
- Faxing the completed application to the Card Service Center at 877-809-9162
- Mailing the completed application to:
Card Service Center
PO Box 569120
Dallas, TX 75356-9120
- Bringing the completed application in to your local branch
1 Please see application for information about current APRs and fees.