Gardner National Bank

                                                                            

                         

 

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Federal Deposit Insurance Corporation

 

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 Depositclick 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

 

 

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.

 

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).  

 

 

Legal Terms & Conditions

Contact:
Gardner National Bank
PO Box 429
Gardner, KS  66030 
(913) 856-7199 
(888) 775-6956
 
with questions or comments about this web site.
Copyright © 2001 Gardner National Bank
Last modified: January 24, 2008