Our Deposit Accounts include the following:

GNB Classic Account

• Minimum balance to open the account: You must deposit $100.00 to open this account.
• Minimum balance to avoid imposition of fees: A service charge of $9.00 will be imposed every statement cycle if the balance in the account falls below $100.00 any day of cycle.

• Rate Information: Check our Rates Page for current rates and yields on this account.
• Frequency and Determination of rates: Interest rates on checking accounts may change at any time.
• Compounding and Crediting Frequency: Interest will be compounded every day. Interest will be credited to your account every statement cycle.
• Effect of closing an account: If you close your account before interest is credited, you will not receive the accrued interest.
• Minimum balance to open the account: You must deposit $100.00 to open this account.
• Minimum balance to avoid imposition of fees: A service charge fee of $9.00 will be imposed every statement cycle if the balance of the account falls below $100.00 any day of the cycle.
• Minimum balance to obtain the annual percentage yield disclosed: You must maintain a minimum balance of $1000.00 in the account each day to obtain the disclosed annual percentage yield.
• Daily balance computation method: We use the daily method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.
• Accrual on interest on noncash deposits: Interest begins to accrue on the first business day after the banking day you deposit noncash items. (example, checks)

• Fees: A maintenance fee of $6.00 will be charged each monthly statement cycle.
• Additional Benefits: First 50 checks are free; All TMB Club Benefits

TMB Club 50 Account

• Fees: A maintenance fee of $5.00 will be charged each monthly statement cycle.
• Additional Benefits: First 50 checks are free; All TMB Club Benefits

TMB Club Plus Account

• Rate Information: Check the Rates Page of the Website for information concerning rates.
• Frequency and Determination of rates: We may change the interest rate on your account at any time.
• Compounding Frequency: Interest will be compounded every day. Interest will be credited to your account every statement cycle.
• Effect of Closing an Account: If you close your account before interest is credited, you will not receive the accrued interest.
• Minimum balance to obtain the annual percentage yield disclosed: You must maintain a minimum balance of $1,000.00 in the account each day to obtain the disclosed annual percentage yield.
• Daily Balance Computation method: We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.
• Accrual of interest on noncash deposits: Interest begins to accrue on the first business day after the banking day you deposit noncash items. (example, checks)
• Fees: A maintenance fee of $8.00 will be charged each monthly statement.
• Additional Benefits: Free Club Checks; All TMB Club Benefits

• Rate Information: Check the Rates Page of the Website for information concerning rates.
• Frequency and Determination of rates: We may change the interest rate on your account at any time.
• Compounding Frequency: Interest will be compounded every day. Interest will be credited to your account every statement cycle.
• Effect of Closing an Account: If you close your account before interest is credited, you will not receive the accrued interest.
• Minimum balance to obtain the annual percentage yield disclosed: You must maintain a minimum balance of $1,000.00 in the account each day to obtain the disclosed annual percentage yield.
• Daily Balance Computation method: We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.
• Accrual of interest on noncash deposits: Interest begins to accrue on the first business day after the banking day you deposit noncash items. (example, checks)
• Fees: A maintenance fee of $7.00 will be charged each monthly statement.
• Additional Benefits: Free Club Checks; All TMB Club Benefits

• Rate Information: Check the Rates Page of the Website for information concerning rates.
• Frequency and Determination of rates: We may change the interest rate on your account at any time.
• Compounding Frequency: Interest will be compounded every day. Interest will be credited to your account every statement cycle.
• Effect of Closing an Account: If you close your account before interest is credited, you will not receive the accrued interest.
• Minimum balance to open the account: You must deposit $50.00 to open this account.
• Minimum balance to avoid imposition of fees: A service charge of $3.00 will be imposed every statement cycle if the balance in the account falls below $50.00 any day of the cycle.
• Daily Balance Computation method: We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.
• Accrual of interest on noncash deposits: Interest begins to accrue on the first business day after the banking day you deposit noncash items. (example, checks)
• Transaction limitations: Transfers from a savings account to another account or to third parties by preauthorized, automatic, telephone, or computer transfer are limited to two per month.
• Fees: A per item service charge of $2.00 will be charged for each withdrawal in excess of two during a month.

Christmas Club Account

• Rate Information: Check the Rates Page of the Website for information concerning rates.
• Frequency and Determination of rates: We may change the interest rate on your account at any time.
• Compounding Frequency: Interest will be compounded every day. Interest will be credited to your account every statement cycle.
• Effect of Closing an Account: If you close your account before interest is credited, you will not receive the accrued interest.
• Daily Balance Computation method: We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.
• Accrual of interest on noncash deposits: Interest begins to accrue on the first business day after the banking day you deposit noncash items. (example, checks)
• Transaction limitations: If any withdrawal is made from this account before maturity, then this account may be closed.

We offer very competitive rates on all 6,12,18,24,30,36 and 60 month time deposits at Gilmer National Bank. For details on the rates at Gilmer National Bank see our Rates Page or contact Fran Johnson via email fjohnson@gnbgilmer.com or call her at 903-843-5653.

An 18-month IRA for your retirement planning can be purchase at Gilmer National Bank for your retirement needs. For details on the IRA rate at GNB see our Rates Page or contact Fran Johnson via email fjohnson@gnbgilmer.com or call her at 903-843-5653.