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Personal Banking

Consumer Accounts

Checking
  Simply Checking Preferred Checking Full Service Checking Premier Checking
Opening Deposit $100 $100 $100 $10,000
Average Available Balance to Earn Interest N/A N/A $2,500.00 All Balances
Images with Statements Yes *with a charge Yes Yes Yes
Free Online & Mobile Banking Yes Yes Yes Yes
Average Available Balance Required to Waive Service Fees (P1) No Balance Required $750 $2,500 $50,000
Savings
  Personal Savings Money Market Savings College Fund Account
Opening Deposit $100 $100 $250
Average Available Balance to Earn Interest All Balances $25,000 $250
Images with Statements N/A N/A N/A
Free Online & Mobile Banking Yes Yes Yes
Average Available Balance Required to Waive Service Fees (P2) $100 $2,500 N/A

*All Accounts are subject to waive a portion of service fees based on specific requirements within each account. Please see a Personal Banker for more details.
(P1) There are no balance requirements for this account. A monthly service fee applies to this account.
(P2) There are No minimum average available balance requirements for children under 18.
**The Average Available Balance is calculated by adding the available principal balance in the account for each day of the period and dividing that figure by the number of days in the period.

CD's and IRA's

No fees are charged unless there is an early withdrawal or the account is closed before its final maturity date. In such instances, a penalty fee for early withdrawal will apply.

30-90 Days $2500 Minimum Deposit
3, 6, 12 and 15 Months $1000 Minimum Deposit
18, 24, 30 and 36 Months $1000 Minimum Deposit
42, 48 and 60 Months $1000 Minimum Deposit

Click Here to Request Current Rates


Balance Computation Method, Interest Compounding, and Interest Credit Tiers are used. Interest rates and Annual Percentage Yield (APY) are based on the deposit amount and deposit time period selected.

The current Interest Credit Tiers are: over $1000.00; over $15,000.00; & over $50,000.00.

“Jumbo” Certificates over $100,000.00 are quoted interest rates on an individual basis.


Interest for your account is compounded periodically, (i.e., quarterly, semi-annually, or annually) and is included in the expressed APY quote.

Certificates of Deposit interest may be posted in a number of ways. You may have the flexibility to change how we post your interest at most any time. Your interest may be compounded or paid to another Grinnell State Bank account. Depending on how you take your interest, the interest rate and APY may change after account opening.

Certificates of Deposit do not have transaction capability.

Important Information about Procedures for Opening a New Account: To help the government fight the funding of terrorism and money laundering activities, Federal Law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account.
 

Debit, Credit & ATM Cards

My Photo Card

Custom Credit Card PortraitClick Here

Custom Credit Card with Dog PictureClick Here

Custom Credit Card Full LandscapeClick Here


Smooth Move Switch Kit

Step 1:   Open a Grinnell State Bank checking account.

Our friendly, efficient staff will help you decide which account options best fit your needs. Open a checking account at any of our five locations by calling our Personal Bankers at:

Grinnell 641-236-3174
Marengo 319-642-5511
Johnston 515-278-6300
Urbandale 515-276-2900
Polk City 515-984-6211

Step 2:   Stop using your previous checking account.

Allow time for outstanding checks to clear and automatic debits and credits to switch over. Destroy your ATM and/or debit card(s), any unused checks and deposit slips.


Step 3:   Move your Direct Deposit(s) to Grinnell State Bank.

Notify anyone making direct deposits to your previous account of your new Grinnell State Bank account information. For your convenience we have packets that include Direct Deposit Authorization Forms available at each of our locations. To ensure payment has been made to your account, please monitor accounts closely.

For Social Security Direct Deposits, call 1-800-722-1213 or visit http://www.ssa.gov/deposit/


Step 4:   Transfer any automatic payments and debits to Grinnell State Bank.

Notify anyone deducting automatic payments (insurance, phone service providers, gym etc.) from your previous account of your new Grinnell State Bank account information.

Your Switch Kit will include Automatic Payment Forms to assist you in quickly making this change.


Step 5:   Close your previous checking account.

After all your checks and automatic payments have cleared, close your previous checking account.

Contact our Personal Bankers Today! info@grinnellbank.com

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Grinnell State Bank

Online Services


Online Banking

Bill Pay

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E-Statements

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Step #2: Contact Us

 

Mobile Banking
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Consumer Accounts Application