Personal Banking with Grand River Bank

Local… and built to stay that way.

We realize everyone's needs are different. Whether you’re looking for a low cost basic checking account or you would like to earn interest on your higher balance accounts, Grand River Bank offers a variety of personal products and services designed to make banking easier for you to help you reach your financial goal
Our personal checking products are designed to ensure our clients maximize their banking relationship with a choice of accounts and services that fit their check writing needs and balance levels.

Grand Personal Checking: Our basic non-interest bearing checking with no minimum balance requirement, no monthly service charges. Requires direct deposit of payroll, Social Security or other recurring payment. Includes unlimited check writing, free online banking and 20 free bill payments per statement cycle, and Visa® ATM/Debit card usage.

Grand Personal NOW Checking: Offers competitive variable interest rates on all balances. Includes unlimited check writing, free online banking and unlimited bill payment, and Visa® ATM/Debit card usage with an ATM surcharge waive of $10.

Grand Premium Checking: Combines variable interest rates on tiered balances with unlimited check writing, free online banking and unlimited bill payment, free Visa® ATM/Debit card usage and free checks to provide the convenience of a checking account with the earning power of a money market.

Whether you are saving for vacation, college expenses, or a rainy day, our savings and CDs provide options to meet your short and long term goals.

Grand Personal Savings: Our traditional savings account offers competitive variable interest rates. Includes unlimited transfers and withdrawals in person, by mail or through ATM.

Grand Premium Savings: A savings account that offers competitive variable interest rates on tiered balances. Includes unlimited transfers and withdrawals in person, by mail or through ATM.

Grand Personal Money Market: A grand combination of liquidity and yield that offers competitive interest rates based on tiered balances. Includes 6 pre-authorized debits per month with limited check-writing privileges.

Certificates of Deposit: 3-60 months, with a minimum deposit of $1,000. Early withdrawal penalties may reduce earnings.

Grand River Bank offers home equity lines of credit that can be used for a variety of purposes such as remodeling your home, paying college tuition, creating your fairytale wedding, or taking that dream vacation. The loan is secured by the equity in your home. Features of a home equity line of credit include:

• Flexibility to advance and pay down funds over a 5 year term

• Variable interest rate with monthly interest only payments required

• Borrow up to 80% of the equity in your home

• Easy access to line of credit: in person, check, phone, or online

• No Early Closing penalty

• No Annual Fee

Getting Started

Contact us today to learn more about how you can utilize the equity in your home by opening a home equity line of credit.

Grand River Bank offers home equity term loans to finance the improvements to your home such as remodeling or adding that extra square footage, but is not limited to home related projects. The loan is secured by the equity in your home. Features of a home equity term loan include:

• 7 year term with amortizations up to 180 months

• Borrow up to 80% of the equity in your home

• Fixed interest rates with monthly principal and interest payments required

• Flexibility to set your payment due date when it best suits your budget

• No Pre-Payment Penalty

Getting Started

Contact us today to learn more about how you can use the equity in your home to finance the renovation projects you’ve been dreaming about.

Grand River Bank offers installment loans to finance the purchase of a car, boat, motorcycle or RV. Features of an installment loan include:

• Fixed rate loans with terms and amortizations based on dollar amount borrowed

• Ability to choose your payment due date based on your budget needs

• No Pre-Payment Penalty

Getting Started

Contact us to learn more about how we can help you finance that car, boat, motorcycle or recreational vehicle to help create everlasting family memories.

Online banking, GRB Connect Online , allows the freedom to bank anytime, anywhere there is access to the internet. With GRB Connect Online you can review account balances and transaction history, make transfers between accounts, pay bills, and export history to Quicken™. Our internet banking uses the highest level of security to guard the privacy of your account information and transactions.

Getting Started

How to Enroll:

1. Click on “Enroll” under Personal Online Banking of the grandriverbank.com home page.

2. Input the appropriate first-time user information. Your password will be the last four digits of your social security number.

3. Choose your access ID and password. Password must be a minimum of 8 characters; maximum of 17 and at least one lowercase, one uppercase, one special character required. When prompted, answer three (3) security questions. Select the computer registration option and enjoy 24 hour online access to your accounts.

Online bill payment, through CheckFree™, makes paying bills easy. No more checks to write, no more stamps and envelopes, no more forgetting to mail your bills on time. Whether you make a onetime payment or set up recurring payments, online bill payment takes the hassle out of paying bills. There are a lot of things on your schedule that are important. We want to help you make the most of every minute by saving you time.

Getting Started

Enroll online by clicking the Bill Payment tab on your home page and following the step by step instructions.

Securely access your bank accounts from your mobile device to check account balances, pay bills, deposit checks and transfer funds. GRB Mobiliti offers a variety of mobile options to do your banking, including a mobile app, mobile browser and text banking. Each option provides you access to your account 24 hours a day.

Click here for a step-by-step guide to GRB Mobiliti.

Popmoney is an easy, fast and secure online personal payment service that lets you send, request and receive money directly from your bank account. When you send money with Popmoney, the recipient will be notified by email or text. Money goes directly from your checking account into theirs. Popmoney is available in the Bill Payment tab on your Checking Account page of Online Banking.
eStatements are a safe, secure way of maintaining your account activity. eStatements are housed within our secure online banking environment, are archived and available for 12 months, and can only be accessed via Online Banking, using your personal login ID and Password. No need to worry about your statement getting lost in the mail, or misplaced in your office.

Click here for more information regarding your rights and responsibilities regarding any errors on your Deposit Statement.

Click here for more information regarding your rights and responsibilities regarding any errors on your Loan Statement.

A Grand River Bank VISA® ATM/Debit card offers convenient ,free of charge access to your funds anytime and virtually anywhere. The card can be used to make purchases from a business checking account at any VISA® merchant worldwide and can be used to make cash withdrawals at any ATM machine on the Pulse®, VISA Plus®, and Accel Exchange® networks.
Grand River Bank offers a variety of Personal Cards to fit your needs. A Grand River Bank Visa® Card is provided to qualified individuals.

Apply at or learn more about Grand River Bank Visa® Credit Card

Access account information on your current Grand River Bank Visa® Card

Will my account information be shared with the recipient?

Get a 25% bonus on all points earned every month - automatically. There's nothing to sign up for and no caps or limits on the points you can earn. Choose to redeem your points for cash back, merchandise, travel and gift cards from popular retailers.

25% BONUS EVERY MONTH

Rewards Program

• Earn 1 point for every net $1 you spend.

• Get a 25% bonus on all points earned every month, automatically.

• No caps or limits on the points you can earn, plus you have five years to redeem points for rewards

• $25 cash back with your first purchase.

• Redemption starts at 2,500 points for $25 cash back, or redeem 25,000 points for round-trip airfare up to $325.

• No Annual fee

• Low Introductory rate

More Rewards. Not More Rules.

Want to earn even more rewards? Get a 50% bonus on all points earned every month - automatically. There’s nothing to sign up for and no caps or limits on the points you can earn. Choose to redeem your points for cash back, merchandise, travel and gift cards from popular retailers.

50% BONUS EVERY MONTH

Rewards Program

• Earn 1 point for every net $1 you spend.

• Get a 50% bonus on all points earned every month, automatically.

• No caps or limits on the points you can earn, plus you have five years to redeem points for rewards.

• $50 cash back with your first purchase.

• Redemption starts at 2,500 points for $25 cash back, or redeem 25,000 points for round-trip airfare up to $325.

• $50 Annual fee

• Low introductory rate

Want to save on interest? With the Visa® Platinum Card, you can enjoy the everyday convenience of a non-rewards card while saving on interest and paying down your other credit card balances faster.

• Our BEST introductory offer.

• Save on interest and pay down your other credit card balances faster.

• No Annual fee

If you're a college student with limited credit history, here's a card that will help you build your financial independence. Use your card wisely, pay your bills on time, make smart financial decisions and you will be well on your way to establishing a strong credit history.

• Earn 1 reward point for every $1 in net purchases. Plus, you have five years to redeem points for rewards.2

• Redeem your points for a wide variety of valuable reward options including, cash back, merchandise, travel and gift cards from your favorite retailers and restaurants.

• No Annual fee

If you need to improve or re-establish your credit history, here's a great way to begin that process. With the Secured Visa® Card, you'll enjoy the convenience of credit including the option to carry a balance while earning interest on your secured savings account.

• Excellent opportunity for someone starting a credit history or for someone who has been turned down for a credit card.

• Simply open a secured savings account that is pledged as security for your credit card account.

• Merchants and retailers won't know your card is secured when you use it to make purchases.

• Remember, late payments and going over the credit limit may damage your credit history.

• $35 Annual fee

Apply at or learn more about Grand River Bank Visa® Credit Card

Access account information on your current Grand River Bank Visa® Card