Business Banking
Banking built for Main Street
From the shop on the square to the farm down the road, Granger National gives local businesses the accounts, cash-management tools, and personal service they need to grow — with decisions made right here at home.
Business checking
An account that fits how you actually operate
Whether you write a handful of checks a month or process hundreds of transactions, we have a checking account sized to your business — and a banker to help you choose.
Small Business Checking
For sole proprietors, startups & low-volume accounts
- Low minimum to open with little or no monthly fee
- A generous number of free transactions each month
- Free online and mobile banking with bill pay
- Business debit card and mobile deposit
Commercial Checking
For higher transaction volume & established operations
- Built for higher check, deposit, and ACH activity
- Earnings credit and account analysis to offset fees
- Full access to treasury and cash-management tools
- A dedicated local banker who knows your business
Nonprofit & Community Checking
For churches, clubs, co-ops & civic groups
- Simplified, low-cost account for community organizations
- Multiple signers with clear user permissions
- Free statements and easy record-keeping
- Local support for your board and volunteers
Not sure which account is right? Call us at (512) 859-2202 and we'll walk through it together.
Treasury management & cash flow
Move money with confidence and control
Manage receivables, payables, and fraud protection from one secure platform — backed by local bankers who pick up the phone when you need them.
ACH origination
Pay vendors and collect from customers electronically. Originate direct deposits and recurring payments on a schedule that fits your business.
Remote deposit capture
Scan and deposit checks from your office instead of driving to the branch. Funds move faster and your team stays productive.
Positive Pay & fraud protection
Match issued checks and ACH activity against what clears your account, and approve exceptions before they post to stop fraud early.
Wire transfers
Send and receive domestic wires securely for time-sensitive payments, with confirmation from a banker you can actually reach.
Sweep accounts
Put idle balances to work automatically, moving funds between checking and interest-bearing accounts to help manage cash flow.
Online banking with user controls
Give bookkeepers and staff exactly the access they need with role-based permissions, dual approvals, and detailed activity history.
Payroll support
Run direct deposit for your team and coordinate with your payroll provider, backed by local help when you have questions.
Security you can trust
Bank-grade encryption, multi-factor authentication, and account alerts protect every transaction, day and night.
Real support, real security
Every treasury tool is set up with a local banker and protected by layered fraud controls. If something looks off, you talk to someone in Granger — not a queue.
Merchant services
Get paid the way your customers want to pay
From the counter to the checkout page, we help you accept cards quickly and affordably. Our team sets you up locally and stays with you — so you spend less time on payment headaches and more time running your business.
- Accept credit and debit cards in-store, online, and on the go
- Countertop terminals, mobile readers, and e-commerce options
- Next-day funding on most transactions to keep cash flowing
- Clear, competitive pricing with no confusing surprises
- Local setup help and a real person to call for support
In-store terminals
Reliable countertop and wireless terminals that accept chip, tap, and swipe.
Mobile & online
Take payments on a phone or add secure checkout to your website.
Next-day funding
Get most deposits the next business day to keep cash flowing.
Clear reporting
Simple statements and tools that make reconciling a breeze.
Commercial lending
From equipment to expansion, our local lenders move fast
Need working capital, a new building, equipment, or an operating line for the season? Our lenders live and work here, underwrite locally, and give you a straight answer — often in days, not weeks.
Working capital & lines of credit
Owner-occupied commercial real estate
Equipment & vehicle financing
SBA and expansion financing
Why local businesses bank with us
The tools of a big bank. The heart of a neighbor.
For 0+ years, Main Street businesses, family operations, and area farms have trusted us to handle their money and back their growth. We are big enough to help and small enough to care.
Since 1920
A century of standing behind the businesses that make Granger run.
Decisions made right here
Your account and loan decisions are made in Granger by bankers you can meet face to face — which means faster answers and common-sense judgment.
A banker who knows your business
Work with the same familiar contact who understands your industry, your seasons, and your goals — not a rotating call center.
Big-bank treasury tools
ACH, Positive Pay, remote deposit, and online controls give you the cash-management power of a national bank with a hometown touch.
A century of stability
We have stood on Davilla Street through booms, busts, and every season in between — a steady partner your business can count on.
Let's grow together
Put a community bank to work for your business
Talk with a local business banker today — no phone trees, no strangers, just straight answers from a neighbor.