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Savings Accounts

Whether you're saving for a new house, a new car, a comfortable retirement or just putting away some money for a rainy day, Grayson National Bank offers an account to fit your needs. And we're one of the few banks left in America that offers the classic Passbook Savings account, unchanged for over a century!

Passbook Savings

  • The way generations of our customers have saved their money, with an actual passbook to record deposits and withdrawals
  • A great way to get young people started with saving and banking
  • Account earns interest*
  • $25 minimum deposit to open
  • Use of passbook means all deposits and withdrawals must take place in the bank and during regular banking hours – helps eliminate impulse withdrawals and spending
  • Account balance can be checked online, but funds cannot be transferred

Statement Savings

  • For those who prefer the convenience of 24-hour banking through ATMs or online
  • Account earns interest*
  • Receive monthly statement listing all deposits and withdrawals
  • Immediate access to funds through Grayson National Bank ATMs with free Debit card
  • Online banking allows you to check balance and transfer funds between accounts
  • Maintaining balance of $100 or more will eliminate all fees & charges

Money Market Account

  • For those who want to earn a higher rate of return and have access to funds
  • $2500 minimum deposit to open
  • Account earns a higher rate of interest than Passbook or Statement Savings*
  • Account subject to our schedule of fees & charges
  • Checks allow easy transfer of funds to third party
  • 6 free transfers to another account or to third parties by preauthorized, automatic, telephone or computer transfer or by check, draft or similar order to third parties are limited to six per
    statement cycle; transaction fee of $5 will be charged for each check to third
    parties in excess of six during a statement cycle
  • Receive monthly statement listing all deposits and withdrawals, with images of checks

Certificate of Deposit (CD)

  • For those who want a higher rate of return and do not need quick access to funds
  • Wide variety of terms available to fit your needs
  • Guaranteed fixed interest rate* and "annual percentage yield" for the term of the CD
  • Penalty charged for withdrawal of funds before the term of the CD ends
  • Please contact your local branch for rates, "annual percentage yield" and terms

*Call 1-866-773-2811 for current rates and "annual percentage yield"

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