GenoaBank believes that everyone should be given the opportunity to experience their dreams and achieve their full potential.

At GenoaBank, we’re more than just a bank —we’re also an integral partner in the communities we serve. While we’re committed to providing personal and business banking solutions to our valued customers, we’re equally as committed to strengthening the economic health of our communities and improving the lives of everyone who lives here.

Below are options provided by GenoaBank.  

Sometimes things happen in life that are beyond our control and we need a helping hand. If you have experienced previous bank account challenges, our Fresh Start Checking account will help you start rebuilding your checking record.

Opening Balance of $5.
Minimum Age of 16.
No Minimum Balance Required.
No Monthly Maintenance Fee.
Unlimited ATM/Debit Card Transactions.
FREE Online Banking and Bill Pay Available.
FREE Mobile Banking Available.**
Initial Start-Up Fees Waived for ATM/Debit Card
Non-Interest Bearing Account.
$250 Daily ATM/Debit Card Limit.
Two No-Fee Cashier’s Check Per Month.
No Check Writing Privileges.

The most challenging part of personal savings is getting started. We want to be the best bank for savings, so we’re here to help you take that first step; the one that creates a habit that’s with you for life. A GenoaBank Savings Builder Account is an account that makes saving easy.

Minimum Opening Balance of $5.
Service Charges Waived for First Year.
Monthly Maintenance Fee Applies if Balance Falls Below $200 after First Year.
FREE Online Banking Available.
FREE Mobile Banking Available.**
Variable Interest Rate.
Activity Restrictions Apply.

Bonus Reward when Savings Goals are Met.

*Programs only available for individuals located in Federally designated low or moderate income census tracts and/or who have income below 80% of the area median income, as updated annually by FFIEC. Exclusions and limitations apply. Program subject to change without notice. Minimum balance of $5 required to open account. Savings Builder Special accounts limited to one per person. At month end following the one year anniversary of account opening, account balance of $250-$499 will be paid a bonus of $25; account balance account balance of $500 to $749 will be paid a bonus of $50; account balance of $750 to $999 will be paid a bonus of $75; account balance of $1000 and above will be paid a bonus of $100. Applicable bonus will be paid within 90 days of the month-end following the one year anniversary of account opening. **Message and Data Rates May Apply. 

Home Improvement Loan***
Financing available for renovation of housing.

Rehabilitation is work that is done to improve the condition of your home.  It can fix problems with your house like a leaking roof, failing porches, and peeling lead-based paint. 

GenoaBank offers homeowners home improvement loans at a low annual percentage rate and flexible terms to address housing maintenance issues.

***Subject to credit approval. Program only available for individuals located in Federally designated low or moderate income census tracts and/or who have income below 80% of the area median income, as updated annually by FFIEC, with credit score of 650 and above. Subject to credit approval. Exclusions and limitations apply. Program subject to change without notice.

To sign up or for more information, contact us at 1-800-592-2828