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At
Gardner National Bank we understand that in today’s changing financial
environment, saving for the future is a vitally important part of financial
stability We offer a wide variety of savings and investment accounts designed to
keep your money working hard for your child’s education, your new home, your
retirement and more.
Traditional
Savings click
for rates
Our
Regular Savings Account is designed for the customer whose savings needs
primarily require convenience.
The
savings account requires no minimum balance to open the account however, a $2.00
fee will be imposed every month if the average daily balance for the month falls
below $100.00. The benefits include:
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Competitive interest rate |
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Unlimited deposits and up to 12 withdrawals
per statement cycle.
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ATM availability
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Telephone Banking
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Transfers from a Savings account to another
account
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pre-authorized
or automatic withdrawals
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The average daily balance fee does not apply to Kids
Club Savings Account
Kids
Club Savings
click
for rates
It
is never too early to start saving. Our Kids Club Savings Account makes it fun
to save by using cartoon characters on deposit and withdrawal slips.
Teaching
your child financial responsibility can be fun.
Our
Kids Club Savings Account requires no minimum balance to open the account with
no monthly service charge.
Investment
Money Market
click
for rates
Our
Investment Money Market Account is designed for the customer who wants a
flexible investment savings account with tiered rates for larger investments.
The
Investment Money Market Account requires no minimum balance to open the account,
however, a $2.00 fee will be imposed every month if the average daily balance
for the month falls below $100.00. The benefits include:
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Competitive
interest rates
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Interest
is paid on a tiered rate basis. The more you invest, the higher the interest
rate
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Telephone
Banking
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Unlimited
number of withdrawals in person, by messenger or through an ATM
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ATM
of Visa check card availability* |
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Transfers
from a Savings account to another account* |
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Pre-authorized
or automatic withdrawals* |
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Withdrawals
by personal check* |
*Limited to six per statement cycle with no more than three by check,
draft, or similar order to third parties
Certificate
of Deposit click
for rates
A Gardner National Bank Certificate of Deposit provides a guaranteed rate of
return. You can select the term, ranging from 30 days to 5 years. Most CD's require
a $500 minimum deposit and the benefits include:
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Competitive interest rates
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Adaptable terms to fit your needs
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Flexible interest payment options
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IRA’s
click
for rates
Individual
Retirement Accounts (IRAs) allow you to earn tax deferred income. You can
contribute to:
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Traditional - an
account which allows you to hold onto your earnings until they are
withdrawn. Certain contributions are tax deductible in the tax year for
which they are made.
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Roth -
is a
nondeductible account that features tax-free withdrawals for certain
distribution reasons after a five-year holding period. Since Roth IRA
contributions are nondeductible and taxed in the year they are earned,
people who expect to be in a higher tax bracket when they retire may benefit
more from these accounts than from a traditional IRA.
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Educational -
a
nondeductible account that features tax-free withdrawals for a very specific
purpose —
a child’s
higher education expenses. Educational IRA distributions are penalty free and tax free for higher
education.
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CD
Plus
click
for rates
Our
CD Plus Account is designed for the customer who wants to be able to make
additional deposits to their certificate of deposit account.
The
CD Plus Account requires a minimum balance of $250.00 to open the account. The
benefits include:
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Competitive interest rate
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Additional deposits are allowed. $50.00
minimum and $10,000.00 maximum for the term of the CD
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Fixed interest rate
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One year term
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Automatic
deposit transfer from your GNB Account |

Fees
Money
Orders
$1.00
Traveler’s Checks/Per $100.00 $1.00
Cashier’s Check Fee
$2.00
Dormant Account Fees
$2.00
Return on Deposited Item
$2.00
Wire Fee, Incoming
$7.00
Wire Fee, Outgoing
$10.00
Account Closed within first 90 days
$10.00
Collection Items Fee
$10.00
Stop Payment Fee
$15.00
Insufficient Funds/Overdraft Fee
$25.00
Account Research
$25.00 Per Hour
Account
Balancing Assistance
$25.00 Per Hour

Questions
and Answers
If
I open a Kids Club Savings
Account for my daughter, but it
isn’t active
on a regular basis except to accrue interest, will the account be fined the
dormant account fee?
No.
If you notify us in writing that your intention is to keep the account dormant,
you will not be charged a fee.
What
types of deposits are insured?
All
types of deposits received by our financial institution in the usual course of
business are insured. For example, savings deposits, checking deposits, deposits
in NOW accounts, and time deposits (including certificates of deposit, which are
sometimes called “CDs”) are all insured deposits. Cashiers’ checks, money
orders, officers’ checks, and outstanding drafts also are insured.
Is
it possible to get an ATM card for my savings or money market account(s)?
Yes.
An ATM card may be issued and tied to more than one account. Please ask one of
our representatives to add your account(s).
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