Checking Solutions

*Refer to https://grand.bank/overdraft/ for details. **Grand Bank may make funds from an eligible incoming electronic direct deposit available for use up to two days before the scheduled payment date. Not all direct deposits are eligible. Early availability of direct deposits is not guaranteed and may vary from deposit to deposit. Transaction limits and standard risk screening processes apply.  Whether we make funds available early depends on when we receive the payor’s payment instructions, any limitations we set on the amount of early availability, and standard fraud prevention screening. Eligible direct deposits are limited to electronic direct deposits of your payroll, pension, and government benefit payments. Other deposits or credits to your account, such as deposits of funds from person-to-person payment services (e.g. Zelle®), check or mobile deposits, and other online transfers are not eligible. Sign-up may be required. Availability may be affected by your mobile carrier’s coverage area. Your mobile carrier’s message and data rates may apply. ***Grand Bank does not charge a fee for our Mobile Banking App or Online Banking, however, third-party fees for internet, messaging, or data plans may apply. Contact your wireless service or internet provider for more details. Additional terms and conditions may apply. See separate disclosures for each account listed in this brochure for current rate and fee information. Interest rates and fees are subject to change without prior notice. Please refer to our Funds Availability and Reg. E Disclosures for rules and regulations governing these accounts. Important Information About Procedures for Opening a New Account or Establishing a New Customer Relationship: The USA PATRIOT Act is a federal law that helps the government fight the funding of terrorism and money laundering activities.  Federal law requires all U.S. financial institutions to obtain, verify and record information that identifies each person who opens an account or establishes a customer relationship with Grand Bank for Savings, FSB.  What this means for you:  When you open a bank account, we will ask you for your name, address, date of birth, and other information that will allow us to reasonably identify you.  We may also ask to see your driver’s license or other identifying documents at any time.