Personal Banking
Everyday banking with a personal touch
From your first checking account to planning for retirement, Granger National Bank pairs the tools of a modern bank with neighbors who know you by name — and have for 106 years.
Checking accounts
A checking account that fits how you live
Pick the account that suits you today — you can always switch as life changes. Every Granger National checking account comes with online and mobile banking and a real banker to call.
Hometown Free Checking
Straightforward everyday checking with nothing standing in the way.
- No monthly maintenance fee
- No minimum balance to keep
- Free debit card, online & mobile banking
- Mobile deposit and free eStatements
Member FDIC
Interest Checking
Everyday convenience that earns a little more when you keep a modest balance.
- Earns competitive interest on your balance
- Modest minimum balance to earn interest
- Full debit, online & mobile access
- Free eStatements and bill pay
Member FDIC
Golden Years Checking
A little extra thank-you for our customers age 55 and better.
- Designed for customers age 55+
- Free personal checks
- No monthly maintenance fee
- Friendly, unhurried service in the lobby
Member FDIC
Savings & CDs
Help your money grow, safely
Whether you're building a rainy-day fund or locking in a longer-term rate, our savings accounts and certificates of deposit are FDIC insured and offer competitive rates.
Statement Savings
A simple place to set money aside and watch it grow, with easy access when you need it and competitive rates.
Money Market
Earn more on higher balances while keeping your funds within reach — a comfortable middle ground between saving and checking.
Certificates of Deposit
Lock in a competitive fixed rate for a term that suits you. CDs reward patience with predictable, FDIC-insured growth.
Health & Christmas Club Savings
Set aside a little at a time for medical costs or the holidays, so the season — and the bills — never catch you off guard.
Rates change with the market, and terms vary. Call (512) 859-2202 for current rates and to find the right term for your goals.
Ask a bankerIRAs & retirement
Plan for retirement with a banker you can sit down with
An Individual Retirement Account is one of the most dependable ways to save for the years ahead. Whether a Traditional IRA suits you now or a Roth IRA fits your plans down the road, we'll take the time to explain your options in plain language.
Our deposit-based IRAs and IRA CDs keep your retirement savings free from market swings, insured by the FDIC and looked after by people right here in Granger. It's saving you can understand — and trust.
Granger National Bank does not provide tax or legal advice. Please consult your tax advisor about your specific situation.
Potential tax advantages
Traditional and Roth IRAs each offer tax benefits. We'll help you understand the difference so you can talk it over with your tax advisor.
FDIC-insured IRA CDs
Grow your retirement savings in a certificate of deposit with no market risk — your principal is protected and FDIC insured.
Rollover help
Changing jobs or consolidating old accounts? We'll walk you through rolling funds into an IRA with as little hassle as possible.
No market risk on deposit IRAs
Deposit-based IRAs won't swing with the stock market. It's steady, predictable saving from a bank that's been steady since 1920.
Online & mobile banking
Your bank in your pocket
All the convenience you'd expect from a big bank, backed by the people you already know. Manage your money wherever you are, protected by bank-grade security.
Mobile deposit
Snap a photo of a check with your phone and deposit it in seconds — no trip to the branch required.
Bill pay
Schedule one-time or recurring payments and stop writing checks. Your bills go out on time, every time.
Card controls & alerts
Freeze a misplaced debit card, set spending alerts, and get notified of activity the moment it happens.
eStatements
Go paperless with secure electronic statements you can view, download, and store anytime.
Person-to-person payments
Send money to family and friends right from your account — a quick, secure way to settle up.
24/7 account access
Check balances, move money, and review transactions around the clock from your phone or computer.
Your security comes first. Online and mobile banking are protected with bank-grade encryption, multi-factor sign-in, and around-the-clock fraud monitoring — so you can bank with confidence.
Why families choose us
A bank that treats you like a neighbor
Because that's exactly what you are. Here's what keeps Granger families banking with us, decade after decade.
Decisions made locally
Your accounts are opened and your questions answered right here in Granger — not by a call center three states away.
We know you by name
When you call or stop in, a familiar face is ready to help. Many families have banked with us for generations.
A century of trust
Since 1920, we've kept our promises through every season and every economy. Your deposits are FDIC insured and in steady hands.
Come bank with us
Ready to open your account?
Open online in minutes or visit us on Davilla Street. We'll help you find the right accounts and set up online banking before you leave.