High Interest Performance (HIP) Checking 

It's a free, high interest checking account that puts 0.85% APY* right in your pocket.

  • No Minimum Balance
  • 0.85% APY* on balances up to $25,000
  • 0.15% APY* on balances over $25,000
  • Up to $15 in ATM refunds

To get 0.85% APY* and up to $15 in ATM refunds do the following each month:

  • Have a minimum of 12 debit card transactions posted to your account
  • Access your HIP Checking account through internet banking at GBTonline.com
  • Set up one monthly direct deposit, draft or internet bill payment
  • Minimum opening deposit is only $100 or sign up for Direct Deposit
  • Receive your HIP Checking statement by email

*0.85% Annual Percentage Yield (APY) is paid on the average collected balances up to $25,000.00; average collected balances of $25,000.01 and greater earn 0.15% Annual Percentage Yield (APY). Minimum opening deposit to open a personal High Interest Performance (HIP) Checking is $100. Monthly requirements to earn advertised rate and $15 in ATM refunds include one direct deposit or draft, minimum of 12 debit card transactions posted (excluding ATM withdrawals), receipt of electronic statements and log on to internet banking. If you do not meet the monthly HIP Checking requirements your account will still function as a free checking account earning the base rate of 0.01% Annual Percentage Yield (APY) on your balance without ATM fee refunds. Rates effective as of 6/17/2013. Rates are variable and subject to change. All ATM fees up to $15 are refunded at the end of statement cycle if monthly HIP Checking requirements are met. Fees could reduce earnings on HIP account. Offer good on personal accounts only.