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.
Get Paid Sooner with Granite Early Pay
Access your paycheck up to two days early just by having direct deposit.
No enrollment. No delays. Just faster access to your money because your financial life shouldn’t have to wait. Â
Your Trusted Financial Companion
Checking
A Granite Bank checking account gives you a secure, convenient way to manage your finances – with modern features designed around your life. Enjoy mobile banking, bill pay, and early access to your paycheck with Granite Early Pay, so your money is available when you need it.
Convenient Accounts
Personal Checking Accounts For Every Lifestyle
Features
Granite Checking
Best for new account holders requiring no-fee checking
Granite Club Checking
For new account holders age 55+
Minimum To Open
$0.00
$500.00
Monthly Service Charge
$0.00 with e-statements*
$0.00 with e-statements*
Interest Bearing
No
No
Early Pay (get paid up to two days early)
Yes
Yes
Unlimited Check Writing
Yes
Yes
Free Checks
No
Yes
Free Mobile Banking
Yes
Yes
Optional O/D Protection
Yes
Yes
Mobile Deposit
Yes
Yes
Age Restrictions
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. 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
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
Pricing & Terms
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
Qualifying High Deductible
Minimum balance
$25
Interest bearing
Yes
Debit card
Included
Monthly fee
Yes*
Pricing & Terms
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
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Welcome to Granite Bank, Home of Extraordinary Customer Service
Free MoneyPass® ATM Network, Free Realtime Online & Mobile Banking, Free Debit Cards, Free Checking*
Hear From Our Happy Customers
Real Reviews from Real People
Krissa JeffersTrustindex verifies that the original source of the review is Google.
Nicole and Adam are always friendly when I stop in!!
megan saikoTrustindex verifies that the original source of the review is Google.
Nico at Champlin Granite Bank is A+. Knows me by name and recognizes me right away in the drive up. Always provides quick and efficient service and gets me in and out of the bank right away and usually without waiting! I love banking where they know me and my family.
Kate ReinickeTrustindex verifies that the original source of the review is Google.
We have been customers at Granite Bank (formerly Maple Bank) for 14 years. They have helped us with standard accounts and unusual accounts (trusts, ABLE accounts, etc.). We have always found the staff to be knowledgable and pleasant.
chriszoerbTrustindex verifies that the original source of the review is Google.
Nicolo has been extremely helpful.
Tomas GarciaTrustindex verifies that the original source of the review is Google.
I’ve had a great experience with Granite Bank! Their customer service is excellent, and they make everything quick, easy, and stress-free. Anytime I need help, they are friendly, professional, and willing to go the extra mile. I really appreciate how easy they make the whole process. Highly recommend Granite Bank!
Andrew CrossTrustindex verifies that the original source of the review is Google.
Nico was such a great help!! Helped me open an account with ease! 10/10
Ruth MickelsonTrustindex verifies that the original source of the review is Google.
Mike E was very professional and very patiently answered all of our questions. He handled our loan and made sure we were on track to close on our new home on time. I would recommend him 110%.
Adrian VirgesTrustindex verifies that the original source of the review is Google.
Nico and Adam are the primary reason I use this bank—outside of it simply being one of the best banks to do business with. They are understanding, efficient, and make the life of a business owner so much easier. Thank you again, Nico, for being amazing!
Enrique RodriguezTrustindex verifies that the original source of the review is Google.
Jeremy Glick was fantastic to work with throughout my first home-buying experience. He was knowledgeable, informative, and always made me feel comfortable. He kept me updated as soon as new information became available and was very quick to respond. I needed a fast closing because I had to move out of my apartment, and Jeremy stayed on top of everything and made it happen. I truly appreciate his hard work and highly recommend him!
Brie WosickTrustindex verifies that the original source of the review is Google.
Sarah was ABSOLUTELY amazing to work with! She was very clear on what was needed to complete my loan process and very helpful with the things I didnt understand! I will absolutely be recommending her to any friends or family who are planning on purchasing! Thanks again Sarah!