Deposit Accounts Flexible Enough To Fit Your Lifestyle
We know your life is busy and you don’t always have time to be running to the bank. That’s why we offer mobile banking, auto bill pay, and much more with our personal checking accounts. When you need us, we’re here to help.
Your Trusted Financial Companion
Checking
A Granite Bank checking account offers a secure way to manage your everyday finances. With online banking, mobile app access, and optional overdraft protection, you can confidently monitor and control your funds. Enjoy the convenience of direct deposit, bill pay services, and access to a vast network of ATMs. Rest assured that your money is protected by Granite Bank’s strong commitment to security and customer service.
3 Convenient Accounts
Personal Checking Accounts For Every Lifestyle
Features
Granite Checking
Best for new account holders requiring no-fee checking
Granite Money Market
Best for account holders requiring interest paid on balances
Granite Club Checking
For new account holders age 55+
Minimum To Open
$0.00
$2,500.00
$500.00
Monthly Service Charge
$0.00 with e-statements*
$0.00 with e-statements*
$0.00 with e-statements*
Earned Interest
No
YES - Tiered based on balance~
No
Free Debit Card
Yes
No
Yes
Unlimited Check Writing
Yes
No
Yes
Free Checks
No
No
Yes
Free Mobile Banking
Yes
Yes
Yes
Optional O/D Protection
Yes
Yes
Yes
Remote Deposit
Yes
Yes
Yes
Age Restrictions
Minimum of 18-years old
Minimum of 18-years old
55-years of age or better
Maybe a business account would be best? Click here to review business deposit accounts
3 Convenient Accounts
Personal Checking Accounts For Every Lifestyle
Best for new account holders requiring no-fee checking
Best for account holders requiring interest paid on balances
For new account holders age 55+
Maybe a business account would be best? Click here to review business deposit account
Achieve Your Financial Goals
Savings
At Granite Bank, we understand the importance of saving for your future financial goals. Our savings accounts are designed to help you make progress towards your objectives with ease and convenience. With competitive interest rates, you can watch your savings grow steadily over time. Whether you are saving for a rainy day, a big purchase, or your retirement, Granite Bank is here to support you every step of the way.
Personal Savings Accounts With A Little Extra
Features
Granite Savings
Best for the dedicated purchase savings account designed to start small and build through timely deposits
Granite Money Market
Best for the saver with larger balances
Opening balance
$25.00
$2,500
Minimum balance
$0.00 with e-statements*
$2,500
Interest bearing
Yes
Yes
Quarterly statements w/e-statements available
Yes
Yes
Monthly fee
($0 with minimum balances, $2 fee without minimum balance met)
($0 with minimum balances, $10 fee without minimum balance met)
Personal Savings Accounts With A Little Extra
Best for the dedicated purchase savings account designed to start small and build through timely deposits
Best for the saver with larger balances
Maximize Your Savings
Certificate of Deposit
CDs are also known as Certificates of Deposit and they allow you to lock in a guaranteed rate of return for a specified length of time. One of the biggest benefits of a CD is that unlike traditional investments such as stocks and funds, a CD provides a guaranteed return on your investment and is FDIC insured and secured up to $250,000 per depositor. If you have extra cash on hand, put it to work.
Consider If:
- You don’t need access to your deposited funds for the term of the Certificate of Deposit
- You would like to increase your rate of return based on your initial investment
- You prefer less risk and guaranteed returns
The Rundown On Personal Certificates of Deposit
Features
Personal CD Options
Best for the dedicated purchase savings account designed to start small and build through timely deposits
Timelines available
6-36 Months
Minimum balance
$5,000
Interest bearing
Yes
FDIC Insured Up To
Monthly fee
Free
Pricing & Terms
Not Sure If Personal CDs Are Right For You? Ask Our Financial Advisors
The Run Down On Personal Certificates of Deposit
Best for the dedicated purchase savings account designed to start small and build through timely deposits
Not Sure If Personal CDs Are Right For You? Ask Our Financial Advisers
Secure Your Future
IRA Certificates of Deposit
When you’re getting close to retirement the last thing you want is for your retirement assets to be exposed to the uncertainty of the market. That’s where IRA Certificates come in, giving you the security of a CD with the tax benefits of an IRA.
Consider If:
- You would like to reduce your taxable income now
- You don’t plan on making withdrawals until retirement
- You prefer guaranteed returns on your investments
The Rundown On IRA Certificates of Deposit
Features
IRA Certificate of Deposit Options
Best for the saver who prefers guaranteed returns
Timelines available
12-36 Months
Minimum balance
$500
Interest bearing
Yes
FDIC Insured Up To
$250,000
Monthly fee
Free
Pricing & Terms
Not Sure If IRA Certificates of Deposit Are Right For You? Ask Our Financial Advisors
The Run Down On IRA Certificates of Deposit
Best for the saver who prefers guaranteed returns
Not Sure If IRA Certificates of Deposit Are Right For You? Ask Our Financial Advisers
Plan Your Financial Future
ROTH IRA
Explore Granite Bank’s Roth IRA solutions to secure your financial future. Start saving for retirement with a tax-advantaged account that offers long-term benefits. Our experienced team is here to help you make sound investment decisions and maximize your savings potential. With Granite Bank, you can confidently plan for a comfortable and worry-free retirement.
Optimize Your Health Savings
Health Savings Account (HSA)
From prescriptions and long-term care to co-pays and doctor visits, paying for you and your family’s medical expenses with tax-free HSA money can help you save big today and in the future.
Paying with an HSA can save you money on:
- Dental and vision expenses
- Out of pocket costs like deductibles and co-pays
- Prescription drugs
- Long-term care service
- COBRA insurance payments
The Rundown On Personal Health Savings Accounts
Features
Personal HSA Options
Best for saving money on medical expenses
Health plan requirements
High Deductible
Minimum balance
$25
Interest bearing
Yes
Debit card
Included
Monthly fee
Yes*
Pricing & Terms
Not Sure If Personal HSA Is Right For You? Ask Our Financial Advisors
The Run Down On Personal Health Savings Accounts
Best for saving money on medical expenses
Not Sure If Personal HSA Is Right For You? Ask Our Financial Advisers
Welcome to Granite Bank, Home of Extraordinary Customer Service
Free Money Pass @ ATM Network, Free Realtime Online & Mobile Banking, Free Debit Cards, Free Checking*
Hear From Our Happy Customers
