Personal Checking Accounts

• GSB Free Checking
• GSB Plus Checking
• GSB 55 Checking
• GSB Apex Checking
• GSB Health Savings Account (HSA) Checking

Personal Savings Accounts

• GSB Tiered Savings Account
• GSB Christmas Club Account

Personal Investment Accounts

• GSB Certificate of Deposit
• GSB Individual Retirement Account

Other Products and Services

• VisaŽ Check Card*
• VisaŽ Gift Cards
• Safe Deposit Box
• Telephone Banking
• Order Checks Online
• Switch Kits
• License Plate Sticker Renewals

Current GSB Deposit Rates

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Personal Checking Accounts

GSB Free Checking offers the simplest way of banking with a variety of basic banking services. It is the perfect way to manage your money without spending any.

• $100 Minimum Opening Deposit
• No Monthly Service Fee
• Unlimited Check Writing
• No Minimum Balance
• Free Check Image Statements
• Discounted Specialty Wallet Checks
• Free Notary Services
• 0.25% Discount on Installment Loans with GSB Auto Pay*
• $100 Off Closing Cost of Mortgage With GSB Auto Pay*
• No Closing Costs with a GSB Home Equity Loan/Line*

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GSB Plus Checking is an interest bearing account for customers who want to have more benefits because of your broader financial relationship with the bank.


• $100 Minimum Opening Deposit
• Maintain $500 Minimum Balance or pay $5.00/month
• Unlimited Check Writing
• Earn Interest when daily balance is $1000 or more
• Free Check Image Statements
• Free Visa Check Card*
• Discounted Specialty Wallet Checks
• Free Notary Services
• Free Travelers Checks
• 0.10% Addition to Standard CD Rates on New Money**
• 0.25% Discount on Installment Loans with GSB Auto Pay*
• $100 Off Closing Cost of Mortgage With GSB Auto Pay*
• No Closing Costs with a GSB Home Equity Loan/Line*

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GSB 55 Checking is an interest bearing account for customers age 55 and above who want more benefits because of your broader financial relationship with the bank.


• $100 Minimum Opening Deposit
• No Monthly Service Fee
• Unlimited Check Writing
• Earn Interest when daily balance is $1000 or more
• Free Visa Check Card*
• Free Check Image Statements
• Free Specialty Wallet Checks
• Free Notary Services
• Free Travelers Checks
• 0.10% Addition to Standard CD Rates on New Money**
• 0.25% Discount on Installment Loans with GSB Auto Pay*
• $100 Off Closing Cost of Mortgage With GSB Auto Pay*
• No Closing Costs with a GSB Home Equity Loan/Line*

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GSB Apex Checking is for customers who want to have more benefits and earn a tiered rate of interest.


• $100 Minimum Opening Deposit
• Maintain $2500 Minimum Balance or pay $10.00/month
• Unlimited Check Writing
• Earn Tiered Rates on Average Balance
  $ 1 - $ 9,999
  $10,000 - $24,999
  $25,000 - $74,999
  $75,000 or higher
• Free Check Image Statements
• Free Visa Check Card*
• Free Specialty Wallet Checks
• Free Notary Services
• Free Cashiers Checks and Money Orders
• Free Travelers Checks
• 0.15% Addition to Standard CD Rates on New Money**
• 0.25% Discount on Installment Loans with GSB Auto Pay*
• $100 Off Closing Cost of Mortgage With GSB Auto Pay*
• No Closing Costs with a GSB Home Equity Loan/Line*

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GSB Health Savings Account (HSA) Checking is for customers who have a high deductible health plan and want the added advantage of a health savings account to help them with medical expenses. Please refer to HSA laws for more information and eligibilty.


• $100 Minimum Opening Deposit
• No Monthly or Annual Service Fees
• Unlimited Check Writing
• Earn Tiered Rates on Average Balance
  $ 1 - $ 999
  $1,000 - $4,999
  $5,000 - $24,999
  $25,000 or higher
• Free Check Image Statements
• Free Online Banking

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Personal Savings Accounts

GSB Tiered Savings Account offers competitive tiered rates of interest with a low minimum balance requirement.


• Interest Paid Monthly
• Convenient & Easy Funds Transfers
• Maintain $50 or pay $3.00/month
• 3 withdrawals per month or pay $1/each
• Earn Tiered Rates:
  $ 1 - $ 9,999
  $25,000 - $74,999
  $10,000 - $24,999
  $75,000 or higher
• $100 Minimum Opening Balance

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Christmas Club accounts are the perfect way to prepare yourself for the expense of the holidays. Open one any time of the year. Interest will be compounded every day, however, interest will not be credited to the account until checks are cut the middle of October.


• Interest compounded daily and credited to your account annually.
• Early withdrawal will result in the closing of the account and a forfeit of any accrued interest
• Free automatic transfers from any TGSB checking or savings account
• $5 Minimum Opening Deposit

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Personal Investment Accounts

Certificate of Deposit Invest in a standard certificate of deposit at The Gifford State Bank with as little as $500. Certificate of deposit terms range from one month to 60 months. Our interest rates are competitive and we periodically offer CD specials. CDs are automatically renewable and the interest may be compounded or paid directly to your checking or savings accounts with The Gifford State Bank. A CD bonus* is offered to standard CD rates on new money with a GSB Plus or GSB Apex Checking Account.

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Individual Retirement Account


• A Traditional IRA is a special tax deferred savings plan authorized by the Federal Government to encourage you to accumulate money for retirement.
• A Roth IRA is an individual retirement account to which participants are able to make non-deductible contributions (earnings can be tax free).
• A Coverdell Educational Savings Account is an ideal way to begin savings for a child, grandchild or any young person to pay for higher education.

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Other Products and Services

VisaŽ Check Card* Get money from ATM's and have your purchases from stores and restaurants automatically deducted from your checking account and conveniently detailed on your monthly statement.

VisaŽ Gift Card Your days are filled with countless birthdays, graduations, weddings and other gift-giving occassions. If you are unsure of what to buy for a gift, or you simply don't have the time to run to town to shop for one, we have the solution! The Gifford State Bank now offers Visa Gift Cards, in amounts ranging from $20-$750, which can be activated upon purchase. Visit either Gifford State Bank location if you would like more information on how to go about purchasing these cards, or click on the link below to order online. Knowing that your recipient will have a wide range of places to shop for just what they want will assure you that you indeed got them the perfect gift! Fees apply. These cards are non-reloadable.

Safe Deposit Box(Please note that contents are not insured by the FDIC)
3x5 Box $10
5x5 Box $20
3x10 Box $25
5x10 Box $40

Telephone Banking You can transfer money between The Gifford State Bank accounts. You can also inquire about checking, savings, CD's and loans with us. For checking accts you can hear account balances, recent deposits, withdrawals, cleared checks, interest earned, and a list of recent transactions since the last statement. When inquiring about a CD you can hear about balance and maturity date. When inquiring about a loan you can hear about payment due date and amount and interest paid to date.

Order checks online Please select the link below for the type of checks you wish to order.

Personal checks

Switch Kits Use our printable switch kits to help you switch an account to our bank with ease.

Switch Kit Conversion Checklist
Existing Account Closing Form
Automatic Payment or Deposit Switch Form
Payroll Direct Deposit Authorization

License Plate Sticker Renewals Renew your Illinois License Plate Stickers with us. Not available for all vehicle classes.

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Deposit Rates

All deposit rates are subject to change without prior notice. Contact us at 217-568-7311 or 217-469-8900 for current rate information.

*Subject to bank approval.
**CD bonus is for new money only and may not be added to other CD specials.