Security maintenance will occur with Online Banking: Wednesday, August 10th from 6:00 a.m. EST – 8:00 a.m. EST. Online Banking will not be available during this time.

*Annual Percentage Yield (APY) is effective as of April 6, 2022, and is subject to change without notice. Minimum to open and obtain the APY is $500. The Annual Percentage Yield (APY) assumes principal and interest remain on deposit for the term of the certificate. Interest is compounded daily and credited monthly. Penalty may be imposed for early withdrawal. Fees may reduce earnings on the account. Additional deposits or withdrawals of principal after opening are not permitted. At maturity the certificate of deposit will automatically renew for the same term. This special cannot be combined with any other offers or promotions and excludes institutional investors, brokered accounts, and public funds. Also available as an Individual Retirement Account (IRA) certificate of deposit. This is a limited-time offer and may be discontinued at any time.

Personal Checking Account

Online Personal Banking


Simplify managing your finances with 24/7 online access to your account.

24/7 Security & Monitoring

Worry free debit card banking - enable real-time push notifications that actually matter. Establish account and security alerts customized by you.

Dedicated Banker

Your Client Solutions Specialist is available for you by phone or in person at your local Client Solutions Center.

*Available for iPhone 5s or later as well as Galaxy S5.

Touch ID

Authenticate your account with your fingerprint or face ID for secure access to mobile banking log in.


Deposit checks to your account(s) using your mobile device securely, anytime. Instant Balance gives you secure access to your account balances without logging in.


Transfer funds and pay bills at home or on the go!

Enjoy rewarding benefits and explore our financial solutions designed to help you reach your financial goals.

Easy LINK Checking

Premier LINK Checking


Easy LINK Checking

Premier LINK Checking¹

Minimum Opening Requirement



Minimum Daily Balance

(to avoid monthly service fee)



Monthly Service Fee

(if daily balance falls below minimum)



Interest Paid


Yes, tiered interest rates¹

CD Rate Bonus


Additional CD rate benefit on all standard CDs

Personal Loan Discount


Earn rate discount on Personal Term Loan if auto debit is set up to a bank checking account²

Free Convenience Services

MasterCard Debit/ATM Card
Online Banking & Bill Pay
Mobile Banking &
Mobile Deposit e-Statements
Sweep for Overdraft Protection on Your Checking Account³
Free ATMs Nationwide

MasterCard Debit/ATM Card
Online Banking & Bill Pay
Mobile Banking &
Mobile Deposit e-Statements
Sweep for Overdraft Protection on Your Checking Account³
Free ATMs Nationwide

¹Fees may reduce earnings. Interest rates are variable and may change at any time without notice. Please contact your local client solutions center for current rates.

²Bank refers to The Gratz Bank and LINKBANK, a Division of the Gratz Bank.

³Automatic overdraft protection is available for your checking account by connecting a link money market account or link savings account. Fees apply for each sweep: please refer to the current fee schedule for applicable charges.

Automatic Overdraft Protection via Sweep

Be confident in your purchasing power when you connect a Money Market Account or Savings Account to your Checking Account as reinforcement. When you make a purchase that is more than the balance of your checking account, our Sweep service will pull the money from your designated reserve account to cover the amount of the transaction.

For us, it comes down to one thing — personal relationships. Relationships that inspire trust, innovation, and collaboration. 

Brent Smith