Products & Services
Products & Services

Deposit Products


Personal Checking - At Garden City State Bank, we know that not everyone expects the same thing from a checking account. So we've developed checking accounts that meet all kinds of expectations.


First Choice Checking

  • $100.00 minimum to open.
  • $7/monthly maintenance fee waived if minimum daily balance of $100.00 is maintained.
  • First order of bank logo checks FREE.
  • $5,000 accidental death insurance
  • Unlimited check writing without additional charge.
  • Monthly image statements.
  • No charge for ATM or VISA® check cards.
  • Overdraft Protection (with approved credit). No annual fee for Ready Reserve.
  • 24 hour telephone access to your account using Phone Xpress

First Choice Preferred Checking and First Choice Preferred Checking 55

  • $100.00 minimum to open.
  • Earns interest on daily collected balances; rates may vary.
  • $6 monthly membership fee. Membership fee waived if account holder is 55 or older.
  • $10,000 in accidental death insurance
  • FREE personalized checks with bank logo
  • FREE notary service
  • FREE photocopy service. (Limits may apply)
  • Unlimited check writing without additional charge.
  • Monthly image statements.
  • No charge for ATM or VISA® check cards
  • Overdraft Protection (with approved credit). No annual fee for Ready Reserve.
  • 24 hour telephone access to your account using Phone Xpress

Budget Checking

  • $50.00 minimum to open.
  • 1st 15 checks at no charge; after 15 checks, $.30 each.
  • Monthly maintenance fee of $3.00
  • Monthly Image Statements.
  • $12/yr. Maintenance fee for ATM or VISA® check cards
  • Overdraft protection with acceptable credit, $15 annual maintenance fee for Ready Reserve.
  • 24 hour telephone access to your account using Phone Xpress

Interest Checking

  • $100.00 minimum to open.
  • Unlimited check writing.
  • Interest is compounded monthly and credited at date of statement using daily collected balance method. Rate may vary.
  • $10/monthly maintenance fee waived if minimum daily balance of $750 is maintained.
  • Monthly image statements.
  • $12/yr. Maintenance fee for ATM or VISA® check cards
  • Overdraft protection with acceptable credit, $15 annual maintenance fee for Ready Reserve
  • 24 hour telephone access to your account using Phone Xpress

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