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Free Checking

A no hassle, no fee account that serves your basic checking needs.

gray boxMinimum balance to open the account
$25.00

gray boxATM card limit
$300 daily cash limit

gray boxDebit card limit
$1,000 daily POS [point-of-sale] limit
$300 daily cash withdrawal limit

gray boxForeign ATM fee waived
Up to $10 per statement cycle.
The rebate will apply to all system identified fees on ATM transactions within the US

gray boxStatement Type
Free e-statement
paper statements - $3.95
paper with images - $4.95

gray boxAdditional Benefits:
Free ATM/Debit card
Free BoGie access
Free BillPay
Free 24-hour IVR access
Free Notary Public Service

gray boxBenefits Package
Additional benefits [see below] can be added for $2.99 a month.

Add-on Benefits Package

Enjoy the additional benefits of $10,000 Accidental Death & Dismemberment Insurance, $5,000 Identity Fraud Expense Coverage, discounts on hotels, rental cars, theme park tickets, and much more!

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e-Checking

This paperless account is designed for account holders who prefer to do their banking electronically.

gray boxMinimum balance to open the account
$100.00

gray boxATM card limit
$300 daily cash limit

gray boxDebit card limit
$1,000 daily POS [point-of-sale] limit
$300 daily cash withdrawal limit

gray boxForeign ATM fee waived
Up to $10 per statement cycle.
The rebate will apply to all system identified fees on ATM transactions within the US

gray boxStatement Type
Free e-statement

gray boxService Charge
No service charge with a minimum daily balance of $500 or a $2,500 combined daily checking and savings account balance or a $10,000 combined deposit and loan balance. Without required balance[s], a $3.00 monthly service fee is assessed.

gray boxAdditional Benefits:
Free ATM/Debit card
Free BoGie access
Email Alerts
Free 24-hour IVR access
First 50 checks free
Free Notary Public Service

gray boxRate Information
Interest paid on daily balance.
Variable rate account. Interest rate and annual percentage rate may change at any time.
 $0 - $1,000
 $1,000.01 - $10,000
 $10,000.01 and greater.
Ask us about current rates.

gray boxDaily 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.

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

gray boxDetermination of rate
At our discretion, we may change the interest rate on your account.

gray boxCompounding and crediting frequency
Interest will be compounded every month. Interest will be credited to your account every month.

gray boxEffect of closing an account
If you close your account before interest is credited; you will not receive the accrued interest.

gray boxBenefits Package
Additional benefits [see below] can be added for $2.99 a month.

Add-on Benefits Package

Enjoy the additional benefits of $10,000 Accidental Death & Dismemberment Insurance, $5,000 Identity Fraud Expense Coverage, discounts on hotels, rental cars, theme park tickets, and much more!

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Classic Checking

Simplify your life with a basic account that satisfies your needs.

gray boxMinimum balance to open the account
$100.00

gray boxATM card limit
$300 daily cash limit

gray boxDebit card limit
$1,000 daily POS [point-of-sale] limit
$300 daily cash withdrawal limit

gray boxBillPay
$2.49 a month

gray boxForeign ATM fee waived
Up to $10 per statement cycle.
The rebate will apply to all system identified fees on ATM transactions within the US

gray boxStatement Type
Free e-statement or free paper statement.

gray boxService Charge
A service charge fee of $6.00 [$5.00 with direct deposit] will be imposed every statement cycle if the balance in the account falls below $500.00 any day of the cycle.

gray boxAdditional Benefits:
Free ATM/Debit card
Free BoGie access
Free 24-hour IVR access
Free Notary Public Service

gray boxBenefits Package
Additional benefits [see below] can be added for $2.99 a month.

Add-on Benefits Package

Enjoy the additional benefits of $10,000 Accidental Death & Dismemberment Insurance, $5,000 Identity Fraud Expense Coverage, discounts on hotels, rental cars, theme park tickets, and much more!

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Elite Club Checking

Our premium checking account pays tiered interest rates and rewards you with free banking services for your total account relationship.

gray boxMinimum balance to open the account
$100.00

gray boxATM card limit
$300 daily cash limit

gray boxDebit card limit
$1,000 daily POS [point-of-sale] limit
$300 daily cash withdrawal limit

gray boxForeign ATM fee waived
Up to $10 per statement cycle.
The rebate will apply to all system identified fees on ATM transactions within the US

gray boxStatement Type
Free e-statement or free paper statement.

gray boxService Charge
No service fee with a minimum daily balance of $10,000 in combined checking and savings account balances or a $25,000 combined deposit and loan balance. Without required balance[s], a $7.95 [$6.75 with direct deposit] monthly service fee is assessed.

gray boxAdditional Benefits:
Pre-paid card discount fee*
Discounted wire transfer fees
No fee on 3 Cashier’s Checks or Money Orders per month
Free ATM/Debit card
Free BoGie access
Free BillPay
Free 24-hour IVR access
One free box of Club checks annually
Free 3 x 5 safe deposit box**
Free Notary Public Service
* Applies to Gift Cards, Travel Money Cards, Youth Cards, and Reloadable Cards
**or $15 credit toward a larger box of your choice, subject to availability

gray boxRate Information
Interest paid on daily balance.
Variable rate account. Interest rate and annual percentage rate may change at any time.
 $0 - $1,000
 $1,000.01 - $10,000
 $10,000.01 and greater.
Ask us about current rates.

gray boxDaily 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.

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

gray boxDetermination of rate
At our discretion, we may change the interest rate on your account.

gray boxCompounding and crediting frequency
Interest will be compounded every month. Interest will be credited to your account every month.

gray boxEffect of closing an account
If you close your account before interest is credited; you will not receive the accrued interest.

gray boxBenefits Package
Additional benefits [see below] can be added for $2.99 a month.

Add-on Benefits Package

Enjoy the additional benefits of $10,000 Accidental Death & Dismemberment Insurance, $5,000 Identity Fraud Expense Coverage, discounts on hotels, rental cars, theme park tickets, and much more!

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LV Gold Checking

If you are 55 or over, you deserve to enjoy the rewards this account has to offer!

gray boxMinimum balance to open the account
$100.00

gray boxATM card limit
$300 daily cash limit

gray boxDebit card limit
$1,000 daily POS [point-of-sale] limit
$300 daily cash withdrawal limit

gray boxBillPay
$2.49 a month

gray boxForeign ATM fee waived
Up to $10 per statement cycle.
The rebate will apply to all system identified fees on ATM transactions within the US

gray boxStatement Type
Free e-statement or free paper statement.

gray boxAdditional Benefits:
Free ATM/Debit card
Free BoGie access
Free 24-hour IVR access
One free box of checks annually
Free Notary Public Service
Free temporary statements

gray boxRate Information
Interest paid on daily balance.
Variable rate account. Interest rate and annual percentage rate may change at any time.
 $0 - $1,000
 $1,000.01 and greater.
Ask us about current rates.

gray boxDaily 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.

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

gray boxDetermination of rate
At our discretion, we may change the interest rate on your account.

gray boxCompounding and crediting frequency
Interest will be compounded every month. Interest will be credited to your account every month.

gray boxEffect of closing an account
If you close your account before interest is credited; you will not receive the accrued interest.

gray boxBenefits Package
Additional benefits [see below] can be added for $2.99 a month.

Add-on Benefits Package

Enjoy the additional benefits of $10,000 Accidental Death & Dismemberment Insurance, $5,000 Identity Fraud Expense Coverage, discounts on hotels, rental cars, theme park tickets, and much more!

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NOW Checking

A basic interest-bearing account that rewards you for your total account relationship!

gray boxMinimum balance to open the account
$1,000.00

gray boxATM card limit
$300 daily cash limit

gray boxDebit card limit
$1,000 daily POS [point-of-sale] limit
$300 daily cash withdrawal limit

gray boxBillPay
$2.49 a month

gray boxForeign ATM fee waived
Up to $10 per statement cycle.
The rebate will apply to all system identified fees on ATM transactions within the US

gray boxStatement Type
Free e-statement or free paper statement.

gray boxService Charge
No service charge with a minimum daily balance of $1,000 or a $2,000 combined daily checking and savings account balance. Without the required balance[s], a $6.75 monthly service fee is assessed.

gray boxAdditional Benefits:
Free ATM/Debit card
Free BoGie access
Free 24-hour IVR access
Free Notary Public Service

gray boxRate Information
Interest paid on daily balance.
Variable rate account. Interest rate and annual percentage rate may change at any time.
 $0 - $1,000
 $1,000.01 - $10,000
 $10,000.01 and greater.
Ask us about current rates.

gray boxDaily 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.

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

gray boxDetermination of rate
At our discretion, we may change the interest rate on your account.

gray boxCompounding and crediting frequency
Interest will be compounded every month. Interest will be credited to your account every month.

gray boxEffect of closing an account
If you close your account before interest is credited; you will not receive the accrued interest.

gray boxBenefits Package
Additional benefits [see below] can be added for $2.99 a month.

Add-on Benefits Package

Enjoy the additional benefits of $10,000 Accidental Death & Dismemberment Insurance, $5,000 Identity Fraud Expense Coverage, discounts on hotels, rental cars, theme park tickets, and much more!

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Free Business Checking

For the small business owner who has smaller balances and a limited amount of debit transactions.

gray boxMinimum balance to open the account
$25.00

gray boxDebit card limit
$1,000 daily POS [point-of-sale] limit
$300 daily cash withdrawal limit

gray boxStatement Type
Free e-statement
paper statements - $3.95
paper with images - $4.95

gray boxService Charge
First 100 debit transactions are free; then $.13 per debit transaction.

gray boxAdditional Benefits:
Free BoGie access
Free 24-hour IVR access
Free Notary Public Service

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Small Business Checking

A fixed price alternative for businesses that have less than 500 items processed each month on their checking account.

gray boxMinimum balance to open the account
$100.00

gray boxDebit card limit
$1,000 daily POS [point-of-sale] limit
$300 daily cash withdrawal limit

gray boxStatement Type
Free e-statement or free paper statement.

gray boxService Charge
Flat fee of $15 up to 500 items; $.35 per item over 500 items.
Items are any credit items, items deposited, and debit transactions.

gray boxAdditional Benefits:
Free BoGie access
Free 24-hour IVR access
Free Notary Public Service

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Small Business Interest Checking

An interest bearing checking account for the non-corporate account holder.

gray boxMinimum balance to open the account
$1,000.00

gray boxDebit card limit
$1,000 daily POS [point-of-sale] limit
$300 daily cash withdrawal limit

gray boxStatement Type
Free e-statement or free paper statement.

gray boxService Charge
No service charge with a minimum daily balance of $1,000; if balance falls below $1,000, a $6.75 monthly service fee is assessed.

gray boxAdditional Benefits:
Free BoGie access
Free 24-hour IVR access
Free Notary Public Service

gray boxRate Information
Interest paid on daily balance.
Variable rate account. Interest rate and annual percentage rate may change at any time.
 $0 - $1,000
 $1,000.01 - $10,000
 $10,000.01 and greater.
Ask us about current rates.

gray boxDaily 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.

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

gray boxDetermination of rate
At our discretion, we may change the interest rate on your account.

gray boxCompounding and crediting frequency
Interest will be compounded every month. Interest will be credited to your account every month.

gray boxEffect of closing an account
If you close your account before interest is credited; you will not receive the accrued interest.

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Business Account Analysis

This account is for the high transaction volume business.

gray boxMinimum balance to open the account
$100.00

gray boxStatement Type
Free e-statement or free paper statement.

gray boxService Charge
Maintenance Fee — $7.00
Deposit slips — $.17
Deposited items — $.07
Debit transactions — $.13
An earnings credit is applied which may reduce or eliminate fees. Talk to a Bank of Gravett account representative for more information.

gray boxAdditional Benefits:
Free BoGie access
Free 24-hour IVR access
Free Notary Public Service

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Business Money Market

The traditional interest bearing account with limited transactions.

gray boxMinimum balance to open the account
$2,500.00

gray boxTransaction limit
Limited to six debits per month; $5 per debit item excessive usage fee after six debits.

gray boxStatement Type
Free e-statement or free paper statement.

gray boxService Charge
No service charge with a minimum daily balance of $2,500; if balance falls below $2,500, a $5.00 monthly service fee is assessed.

gray boxAdditional Benefits:
Free BoGie access
Free 24-hour IVR access
Free Notary Public Service

gray boxRate Information
Interest paid on daily balance.
Variable rate account. Interest rate and annual percentage rate may change at any time.
 $0 - $2,500
 $2,500.01 - $10,000
 $10,000.01 - $25,000
 $25,000.01 and greater
Ask us about current rates.

gray boxDaily 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.

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

gray boxDetermination of rate
At our discretion, we may change the interest rate on your account.

gray boxCompounding and crediting frequency
Interest will be compounded every month. Interest will be credited to your account every month.

gray boxEffect of closing an account
If you close your account before interest is credited; you will not receive the accrued interest.

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Loan Department

Our team of professional loan officers have a wide range of loan products at their disposal to assist you in your financial needs.

gray boxConsumer loans:
Automobile [new and used]

gray boxMortgage loans:
Purchase or refinance residential real estate property
In-house variable rate - terms of up to 30 years
Full range of variable and fixed rate mortgages

gray boxCommercial loans:
Term financing for purchase/refinance of real estate
Term financing for purchase of equipment and machinery
Construction projects
Lines of credit

gray boxAgricultural loans:
Term financing of machinery and equipment
Livestock purchases
Lines of credit

We invite you to 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.

Mortgage Originator List

Please refer to the section below for a list of First Interstate Bank mortgage loan originators registered on the National Mortgage Licensing System (NMLS).

Loan Originator/NMLS Identifier List Bank of Gravett Disclosures

The Secure and Fair Enforcement for Mortgage Licensing Act of 2008 (SAFE Act) is designed to enhance consumer protection and reduce fraud by setting minimum standards for mortgage loan originator licensing and registration. Registration in the Nationwide Mortgage Licensing System (NMLS) is required for applicable employees of Bank of Gravett.

Bank of Gravett employees who are registered as mortgage loan originators are listed below.

For more information about mortgage loan originators who are either registered or licensed, please visit www.nmlsconsumeraccess.org.

Visit your local branch for additional information about the SAFE Act or the NMLS employee registration requirements.

Mortgage Loan Originators
Company Originator ID #403642
NMLS ID Mortgage Originator Name Location
407263 Crawford, Cathy Gravette, AR
407256 Hendren, Sundee Lynn Gravette, AR
407261 Jarvis, Rhonda Kay Hiwasse, AR
407262 Johnson, Kathryn Sue Gravette, AR
1317446 Shawn Dunham Centerton, AR
407264 Muñoz, Lisa Marie Centerton, AR
1166110 Rachel Ann Bangs Gravette, AR
407255 Rieff, Kevin Randall Centerton, AR
1113747 Julie R. Pinkston Centerton, AR
     
     
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Money Market

Maintain higher balances and earn a more competitive rate of interest than with a traditional savings account.

gray boxMinimum balance to open the account
$2,500.00

gray boxTransaction limit
Limited to six debits per month; $5 per debit item excessive usage fee after six debits.

gray boxStatement Type
Free e-statement or free paper statement.

gray boxService Charge
No service charge with a minimum daily balance of $2,500; if balance falls below $2,500, a $5.00 monthly service fee is assessed.

gray boxAdditional Benefits:
Free BoGie access
Free 24-hour IVR access
Free Notary Public Service

gray boxRate Information
Interest paid on daily balance.
Variable rate account. Interest rate and annual percentage rate may change at any time.
 $0 - $2,500
 $2,500.01 - $10,000
 $10,000.01 - $25,000
 $25,000.01 and greater
Ask us about current rates.

gray boxDaily 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.

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

gray boxDetermination of rate
At our discretion, we may change the interest rate on your account.

gray boxCompounding and crediting frequency
Interest will be compounded every month. Interest will be credited to your account every month.

gray boxEffect of closing an account
If you close your account before interest is credited; you will not receive the accrued interest.

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Regular Savings

gray boxMinimum balance to open the account
$50.00
The minimum balance requirement will be waived for minors.

gray boxRate Information
Your interest rate and annual percentage yield may change.

gray boxFrequency of rate changes
We may change the interest rate on your account at any time.

gray boxDetermination of rate
At our discretion, we may change the interest rate on your account.

gray boxCompounding and crediting frequency
Interest will be compounded semi-annually, paid semi-annually.

gray boxEffect of closing an account
If you close your account before interest is credited; you will not receive the accrued interest.

gray boxDaily 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.

gray boxAccrual of interest on non-cash deposits
Interest begins to accrue the business day you deposit non-cash items (e.g. checks).

gray boxFees
A per item fee of $.50 will be charged for each transaction after ten.

gray boxAdditional Benefits:
Free ATM card
Free BoGie access
Free 24-hour IVR access

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Christmas Club

gray boxMinimum balance to open the account
You must deposit the minimum coupon amount of $1 to open this account.

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

gray boxFrequency of rate changes
We may change the interest rate on your account at any time.

gray boxDetermination of rate
At our discretion, we may change the interest rate on your account.

gray boxCompounding and crediting frequency
Interest will be compounded every month. Interest will be credited to your account every month.

gray boxEffect of closing an account
If you close your account before interest is credited; you will not receive the accrued interest.

gray boxDaily 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.

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CD Rates

To view current rate information click here to download the current rate sheet.

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.

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ATM

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.

Give your deposit accounts added power and flexibility with:

gray boxATM Card
Offering full 24/7 access to your accounts.

gray boxDebit Card
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]

gray boxATM Locations
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.

>> download Debit Card application <<

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Pre-Paid Cards

gray boxGift Card
Give the gift of choice that’s right for all occasions. Load any amount from $10 - $1,000 on the Gift Card and the recipient can use the card to buy whatever they want, wherever they are!

gray boxTravel Card
It works just like a debit card and it’s accepted around the world. It’s also more secure than cash, more convenient than travelers checks and easily replaced if lost or stolen. Load any amount from $20 - $3,000. Must be 16 years or older to purchase.

gray boxYouth Card
Teach your kids financial independence and responsibility. It’s more secure than cash and allows parents and teens to review purchases. Plus, kids can only spend what you load! Load any amount from $20 - $3,000. Must be 18 years or older to purchase.

gray boxReloadable Card
The Reloadable Card is all about convenience and control. You can direct deposit funds, including paychecks and government checks, pay bills online, get cash at ATMs and use it anywhere debit cards are accepted, all without a credit check. Load any amount from $20 - $3,000. Must be 18 years or older to purchase.

For Cardholders

To set up your profile, check your balance, track spending and more, logon to myprepaidbalance.com or call 1.800.496.6183.

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