•  Free Personalized Checks
•  $10k Accidental Death & Dismemberment Insurance
•  $5k Identity Fraud Expense Coverage
•  Credit Card Registration
•  Key Tag Return
•  Safe Deposit Journal
•  Entertainment® SaversGuide®
•  Rental Car Discounts
•  Theme Park & Movie Tickets
•  Flowers, Gifts & Greenery
•  Walk-In Pharmacy Card
•  Vitamins, Minerals & Herbs
•  Internet Access of Benefits
• Total Estimated Annual Savings - $542

• $100.00 required opening deposit.

• Interest earned on $1,000 or more. 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.

• Interest begins to accrue on the business day you deposit non-cash items (e.g. checks).

• Your interest rate and annual percentage yield may change.

• We may change the interest rate on your account at any time.

• At our discretion, we may change the interest rate on your account.

• Interest will be compounded every month. Interest will be credited to your account every month.

• Complete deposit account disclosures containing terms and fee information are available upon request.

• $300 bounce protection provided, upon approval.

• Coverage is divided equally amoung joint account owners. Insurance is offered through the company named on the certificate of insurance provided at the time of account opening. Insurance products are not insured by FDIC or any Federal Government Agency. Insurance products are not a deposit of our guaranteed by the bank of any bank affiliate.

• If you close your account before interest is credited; you will not receive the accrued interest.

•  $6.00 monthly service fee
•  Rewards Club 55 offers all the benefits of Rewards Club, but at a special $5.00 monthly service fee instead of the normal $6.00 fee.

• Your interest rate and annual percentage yield may change.

• We may change the interest rate on your account at any time.

• At our discretion, we may change the interest rate on your account.

• Interest will be compounded every month. Interest will be credited to your account every month.

• If you close your account before interest is credited; you will not receive the accrued interest.

• You must deposit $2,500.00 to open this account.

• 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.

• Interest begins to accrue on the business day you deposit non-cash items (for example, checks).

• Transfers from a Money Market Deposit account to another account or to third parties by preauthorized, automatic, or telephone transfers are limited to six per statement cycle with no more than three by check, draft, or similar order to third parties.

• A per item fee of $5.00 will be charged for each debit transaction (withdrawal, check paid, automatic transfer or payment out of this account) in excess of six during a statement cycle.

• You must deposit $1,000.00 to open this account

• A service charge fee of $6.00 will be imposed every statement cycle if the balance in the account falls below $1,000.00 any day of the cycle. This fee will be waived if you maintain a $2,000.00 minimum daily balance in a Super Now, Money Market Deposit, Senior (LV) Gold, or Regular Savings account.

• 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.

• Interest begins to accrue on the business day you deposit non-cash items (e.g. checks).

• Your interest rate and annual percentage yield may change.

• We may change the interest rate on your account at any time.

• At our discretion, we may change the interest rate on your account.

• Interest will be compounded every month. Interest will be credited to your account every month.

• If you close your account before interest is credited; you will not receive the accrued interest.

• You must deposit $100.00 to open this account.

• A service charge fee of $4.00 will be imposed every statement cycle if the balance in the account falls below $400.00 any day of the cycle. This fee will be waived for customers over 62 years of age upon notification.

• · Free ATM card
  · First 50 checks free
  · Free notary public service

• Your interest rate and annual percentage yield may change.

• A $2,500.00 minimum balance is required to obtain the APY.

• We may change the interest rate on your account at any time.

• At our discretion, we may change the interest rate on your account.

• Interest will be compounded every month. Interest will be credited to your account every month.

• If you close your account before interest is credited; you will not receive the accrued interest.

• You must deposit $2,500.00 to open this account.

• 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.

• Interest begins to accrue on the business day you deposit non-cash items (e.g. checks).

• A per item fee of $.25 will be charged for each debit transaction (withdrawal, check paid, automatic transfer or payment out of this account).

• Your interest rate and annual percentage yield may change.

• We may change the interest rate on your account at any time.

• At our discretion, we may change the interest rate on your account.

• Interest will be compounded daily, paid semi-annually.

• If you close your account before interest is credited; you will not receive the accrued interest.

• You must deposit $50.00 to open this account. The minimum balance requirement will be waived for minors.

• 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.

• Interest begins to accrue the business day you deposit non-cash items (e.g. checks).

• A per item fee of $1.00 will be charged for each withdrawal in excess of two during a calendar month.

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• Enjoy the convenience and flexibility of ATM banking. Bank of Gravett offers three ATM locations. You may make deposits, make withdrawals, transfer funds or check your balance with either your ATM or Visa® debit card.

• Allows full 24/7 access to your accounts.

• Works like a check anywhere you see the Visa® logo, and there are millions of merchant locations where you can use your check card.
  Safer than carrying cash.
  $1,000/day limit on Point of Sale [POS].
  Your personal information like address, phone and drivers license number stay confidential.
  Also works as an ATM card [$300 cash withdrawal limit per day]

• 1. In Gravett, our ATM facility is located at our Motor Bank Branch along Highway 72 at 303 SE Atlanta.
  2. In Hiwasse, the location is 13540 West Highway 72.
  3. In Centerton, on the East side of the bank building at 192 East Centerton Blvd.

• In addition to Bank of Gravett cards, we accept any debit or credit card through the Cirrus® and Pulse® networks. The logo of your accepted providers appears on the back of your card.

• You must deposit the minimum coupon amount of $1 to open this account.

• All deposits to this account must be in the prearranged amount of your coupon. Christmas club is paid during the first week of November.

• Bank of Gravett CD rates are only available online to registered BoGie users. If you are not a registered BoGie user, get our current rates by calling one of our branches.
  
  To find location info and numbers visit our locations page.
  
  At this time we do not accept brokered deposit funds, or deposits originating outside our trade area.

• Our team of professional loan officers have a wide range of loan products at their disposal to assist you in your financial needs.
  
  contact any of our officers to inquire about the specifics of any loan product we offer, or to apply for a loan with Bank of Gravett.

• · Automobile [new and used]

• · Purchase or refinance residential real estate property
  · In-house variable rate - terms of up to 20 years
  · Full range of variable and fixed rate mortgages
  
  Terms of up to 30 years, including:
  · Conventional
  · USDA Rural Housing approved lender
  · VA

• · Term financing for purchase/refinance of real estate
  · Term financing for purchase of equipment and machinery
  · Construction projects
  · Lines of credit

• · Term financing of machinery and equipment
  · Livestock purchases
  · Lines of credit

The following information pertains to Bank of Gravett accounts.

•  each item — $25.00

•  total — $3.00

•  minimum one hour — $15.00
•  each additional half hour or fraction thereof — $5.00
•  first copy — $5.00
•  each additional copy — $1.00

•  minimum one hour — $15.00
•  each half hour — $5.00

•  each item — $20.00

The following fees may be assessed against your account and the following transaction limitations, if any, may apply to your account.

• Fee depends on style of check ordered

• each item — $2.00

• each item — $1.00

• single signature [for every 100] — $1.00
• double signature [for every 100] — $1.50

• per account — $5.00
• this fee is charged once every 12 months
• A savings account is dormant if, for 12 months, you have made no deposits or withdrawals to the account and the balance is less than $200.00

• each card — $2.00

• each card — $5.00

• first copy — $.25
• each additional copy — $.10

• outgoing [single page] — $2.00
• each additional outgoing page — $.25
• incoming [single page] — $1.00
• each additional incoming page — $.25

• outgoing — $20.00
• incoming — $10.00

• outgoing — $38.00

• [annual fees & key deposit]
• 3"×5" — $15.00
• 4"×5" — $15.00
• 5"×5" — $23.00
• 3"×10" — $27.00
• 5"×10" — $30.00
• 10"×10" [Hiwasse & Centerton only] — $40.00
• Key deposit — $10.00

• bills, notes, and bonds — $70.00

• non-customer — $3.00

• non-customer — $3.00

• Set-up fee — $100.00
• Note without escrow documents — $50.00
• Customer collection fees
• Deposit to payee account [per payment] — $5.00
• Remit to payee [per payment] — $7.50