With GHS’s new checking accounts, we have an account that’s right for every member.

  • It takes only $50 to open any of the new checking accounts. ($25 Savings/Share account, $1 membership, $24 checking for new members to GHS)
  • Every dollar earns dividends if the checking account is one of the dividend earning products.
  • Every checking account can have direct deposit or automatic payments.
  • GHS loan members can reduce their loan rate .25% by having automatic loan payments out of any GHS checking account.
  • GHS loan members can reduce their loan rate .25% by having free eStatements from any GHS checking account.
  • There is no limit on the number of free checking accounts per member or household or business.

Absolutely Free Checking

This account is for members who want simple, hassle-free checking and are more concerned with low cost than earning dividends. This member will always get a free account.

Features:

  • No minimum balance
  • No monthly service charge
  • Non-dividend account
  • No per check charge
  • Unlimited check writing
  • FREE Instant Issue Debit Card
  • FREE Online banking
  • FREE Bill Pay
  • Easy-to-balance monthly E-Statement

Amount needed to open:

  • Only $50! ($25 for share savings, $1 membership and $24 checking account)

 

50+ Free Checking

This account is for members who will have at least one account owner who is 50 years or over. Members who qualify for this account will always make money!

Features:

  • Earns Dividends .1%
  • FREE Personalized Checks are Alliance Series Oxford with “Preferred Member’ script on checks

  • No minimum balance
  • No monthly service charge
  • No per check charge
  • Unlimited check writing
  • FREE Instant Issue Debit Card
  • FREE Online banking
  • FREE Bill Pay
  • Easy-to-balance monthly E-Statement

Amount needed to open:

  • Only $50! ($25 for share savings, $1 membership and $24 checking account)

 

VIP Free Checking

This account is for members who can have a direct deposit of a payroll, Social Security or recurring government check or an automatic payment. Members who qualify for this account will always make money!

Features:

  • Earns Dividends .1%
  • No minimum balance
  • No monthly service charge
  • No per check charge
  • Unlimited check writing
  • FREE Instant Issue Debit Card
  • FREE Online banking
  • FREE Bill Pay
  • Easy-to-balance monthly E-Statement

Amount needed to open:

  • Only $50! ($25 for share savings, $1 membership and $24 checking account)

 

Premier Yield Checking

This account is for members who maintain a balance of $1,500 or more in their checking accounts because they will earn dividends. Members who maintain a balance of $1,500 will earn dividends, never receive a monthly service charge, and will always make money!

Features:

  • Higher dividends earned on the entire balance when a minimum balance of $1,500 is maintained .25%
  • Dividends earned on entire balance when balance is $0 to $1,499 is .1%
  • FREE Personalized Checks, Alliance Series Topaz with "Preferred Member" cut placed on top of the signature line
  • Only a $1,500 daily minimum balance to avoid a monthly service charge
  • Only a $6 monthly service charge if balance drops below $1,500
  • No per check charge
  • Unlimited check writing
  • FREE Instant Issue Debit Card
  • FREE Online banking
  • FREE Bill Pay
  • Easy-to-balance monthly E-Statement

 

Amount needed to open:

  • Only $50! ($25 for share savings, $1 membership and $24 checking account)

NOTE: There is a 60 day grace period before the minimum balance applies.

 

Absolutely Free Business Checking

A simple non-dividend business checking account designed for businesses that generate 1,000 or fewer monthly items (including checks paid, checks deposited, ACH debits, and ACH credits), including sole proprietorships and not-for-profits that do not always keep more than $1,500 in their accounts.

Features:

  • No minimum balance
  • No monthly service charge
  • Non-dividend account
  • 1,000 FREE items per month (including checks paid, check deposited, ACH debits, and ACH credits) and only 15¢ per item for those above 1,000.
  • Unlimited check writing
  • FREE Debit Card
  • FREE Online Banking
  • FREE Bill Pay
  • Easy-to-balance monthly E-Statement

Amount needed to open:

  • Only $50! ($25 for share savings, $1 membership and $24 checking)

 

Premier Yield Business Checking

A business checking account that earns dividends designed for non-profit organizations, not-for-profit corporations, sole proprietorships, government entities, and trusts that always maintain more than $1,500 in their account and generate fewer than 1,000 items per month (including checks paid, checks deposited, ACH debits, and ACH credits).

Features:

  • Dividends earned on ALL balances $0 to $1,499 .10% APY, over $1500 .25% APY
  • FREE Personalized Checks Alliance Series Independence with ‘Preferred Member’ script on checks
  • Only a $1,500 minimum balance to avoid a monthly service charge
  • Only a $6 monthly service charge when balance falls below $1,500
  • 1,000 FREE items per month (including checks paid, check deposited, ACH debits, and ACH credits)
  • Unlimited check writing
  • FREE Debit Card
  • FREE Online Banking
  • FREE Bill Pay
  • Easy-to-balance monthly E-Statement

Amount needed to open:

  • Only $50! ($25 share savings, $1 membership, $24 checking)