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Deposit Accounts

At Commercial Bank of Grayson, our deposit accounts are designed to fit the way you live and do business. Whether you’re opening your first checking account, managing your household finances, or operating a growing business, we offer straightforward options, local decision-making, and personal service you can rely on. Our team is here to help you choose the account that aligns with your goals and make the process simple from start to finish. Contact our New Accounts team at (606) 474-7811 or visit any of our locations to get started.

Travel Discounts

Good as Gold Double the Difference Low Price Guarantee on flights, hotels, vacations, cruises and rental cars

5% Cash Back Reward on hotels, car rentals & cruises

3% Cash Back Reward on air travel & vacation packages

Cellular Care Coverage

Coverage is automatic

No additional registration is required

Will reimburse the costs associated with repairing your device

$600 membership coverage limit. Restrictions apply.

ULTIMATE ID® Identity Theft Solution

3 bureau credit monitoring

$1 million identity theft coverage

Instant credit bureau inquiry alerts

Credit score tracker

Enhanced internet monitoring for drivers licensing and social security number.

Fully managed identity fraud research, remediation and recovery services

Value Added Options

Save up to 5% on gift card purchases, including gas cards

Save up to 50% on attractions, movies, sports, concerts & theater event tickets with TicketXpress

An account with a ton of BENEFITS and opportunities to SAVE!

Free box of checks annually.

Only $6 monthly fee

ULTIMATE ID® Identity Theft Solution

Cellular Care Coverage up to $600

Automatic 12-month extension on most consumer merchandise warranties

Exclusive savings on GenGold.com and member only discounts

$50 minimum deposit to open

Manage Your Rewards 

Visit GenGold.com or download the free mobile app for Apple® and Google Play™ devices. 

For details of the GenGold app, click here.

An account for those interested in higher interest!

  • One FREE box of checks per year
  • Higher interest rate with a balance of $1,500 or more
  • Competitive interest if balance falls below $1,500
  • Only $6 monthly charge if minimum balance falls below $1,500
  • Minimum opening deposit is $50

Earn interest with the convenience of direct deposit or any automatic payment!

  • Competitive interest
  • No minimum balance
  • No monthly service charge
  • Minimum opening deposit is $50

A FREE account for everyone!

  • No minimum balance
  • No monthly service charge
  • Minimum opening deposit is $50
Flowchart graphic helping customers choose a personal checking account. Step 1 asks if the customer wants added benefits for $6 per month, leading to “Benefits Checking by GenGold,” which includes travel savings, cell phone repair coverage, identity theft monitoring, local discounts, health savings, and a $6 monthly fee. Step 2 asks if the customer will keep more than $1,500 in the account to earn higher interest, leading to “Premium Interest Checking,” which offers higher interest with a $1,500 balance and a $6 fee if the balance falls below that amount. Step 3 asks if the customer will have direct deposit or automatic payments, leading to “Direct Interest Checking,” which offers competitive interest with no minimum balance and no monthly service charge. If none apply, the final option is “Simply Free Checking,” offering no minimum balance and no monthly service charge. Footer includes disclosures and Member FDIC and Equal Housing Lender logos.

Personal Checking Flowchart PDF

Money Market Account
  • Minimum deposit to open – $2,500
  • Interest bearing
  • 6 transfers per month
  • 3 checks or debit card transactions per month
  • Service charge fee- $10.00 if balance drops below $2,500 during the month. However, if your average daily balance is greater than $10,000, no service fee will be imposed for that statement cycle.
Savings Accounts

Simply Savings (Account)

  • No minimum deposit to open
  • Interest bearing, *minimum average daily balance $100
  • 6 transfers or withdrawals per month
  • Service charge fee – $1.50 after the first year if balance falls below $200.
  • Vacation and Christmas Clubs available

*Must maintain minimum average daily balance of $100 to obtain the disclosed annual percentage yield.

Certificates of Deposit

A Certificate of Deposit (CD) is a great option for long-term savings in mind. Similar to a savings account, in that they are virtually risk-free and protected by the FDIC just as your other deposits with us are. They are different however from a general savings account in the fact that a CD has a specific term set by you from our available options. These term options have varying fixed interest rates assigned to them and will remain the rate of interest you acquire dependent on the term you select, should you maintain that CD for the duration of the term. Failure to hold the CD until maturity could result in a penalty, all dependent on the specifics of the CD and the date of redemption. It is intended that a CD will be held to maturity, at which time the owner may redeem their funds deposited and the accrued interest. Sometimes customers may have the option of receiving the accrued interest in fixed periods thru the duration of the CD’s term.

Traditional and Roth IRA’s

Saving for Retirement… When is it a good time to start? What are my Options?

Many people face this difficult question as they climb closer towards the age in which they have set to retire. It is important to consider planning to save aside money for those years and in your planning it is good to consider the benefits of an Individual Retirement Arrangement or better known as an IRA. The bank offers assistance in creating for you IRA Account(s) for your retirement savings. Both Traditional and Roth IRAs can be started and maintained at the bank.

For information on setting up an IRA or rolling over an old 401k from an employer managed account to an IRA please contact one of your New Account Representatives at 606.474.7811.

Direct Deposit – Why Enroll?

  • Safe – Eliminate concerns about lost or stolen checks. When you are away from home, your funds are not left unattended in a mailbox.
  • Convenient – No special trips to the bank. Your funds are deposited automatically and available at the opening of business on the same day you would normally receive your check.
  • Profitable – If deposited into an interest-bearing account, your funds begin earning interest immediately upon deposit.

How to Get Started

Step 1: Confirm Eligibility
Contact your employer’s Human Resources Department to determine whether Direct Deposit is available for payroll, IRA distributions, or pension payments.

You may also qualify for Direct Deposit if you receive:

• Social Security
• Supplemental Security Income
• Railroad Retirement
• Civil Service Retirement
• Veterans Administration Compensation and Pension
• Air Force Active Duty, Retirements, and Allotments
• Marine Corps Active Duty and Retirement
• Army Active Duty, Retirement, and Reservist Pay
• Navy Retirement
• Federal Salary

Additional payment types may also be eligible. Contact us for details.

Once enrollment is processed, your payments will begin depositing directly into your account, typically within 30 to 90 days.

Click HERE to access the Direct Deposit Form.

CSB Debit Card Commercial Bank of Grayson VISA Check Card

Your Commercial Bank Visa Debit Card combines the convenience of a debit card with ATM access. It looks like a credit card but deducts purchases directly from your checking account.

Use your card anywhere Visa is accepted — more than 12 million locations worldwide. The purchase amount is automatically deducted from your checking account. Transactions will appear on your monthly statement with a full description.

Your Visa Debit Card also functions as your ATM card.

There are no annual fees and no transaction fees for using your Visa Debit Card. ATM withdrawals at machines not owned by Commercial Bank are subject to a $2 fee per transaction.

To apply, visit any of our offices and speak with a New Accounts Representative or request an application. For assistance, contact Customer Service at (606) 474-7811.

Card Features

You may use your card to (services may not be available at all ATMs or ITMs):

• Withdraw cash from your checking account
• Withdraw cash from your savings account
• Transfer funds between checking and savings
• Obtain balance information on deposit accounts
• Deposit cash and checks at Commercial Bank ITMs without the need for a teller, available 24/7/365
• Receive immediate credit for cash deposits at ITMs
• Receive credit for check deposits upon teller review and approval
• Change your card PIN

Limitations on Frequency and Amount

• Daily ATM withdrawal limit: $1,500 (subject to available funds)
• Daily purchase limit: $2,500, inclusive of ATM withdrawals
• For security purposes, limits apply to the frequency and dollar amount of ATM and point-of-sale transactions
• During interruptions of services, transaction limits may be reduced

Fees and Charges

• No charge for ATM withdrawals at Commercial Bank-owned machines
• $2 fee per withdrawal at non-Commercial Bank ATMs
• $2 fee for balance inquiries at non-Commercial Bank ATMs
• $5 replacement card fee
• No fee for point-of-sale (POS) transactions

Please note: When using an ATM not owned by Commercial Bank, the ATM owner may assess an additional surcharge, including for balance inquiries.

ATM Safety Tips

• Be aware of your surroundings, especially at night
• Consider bringing someone with you after dark
• If someone stands too close, ask them to step back before completing your transaction
• If anything appears suspicious, cancel the transaction and leave immediately
• If followed after a transaction, go to the nearest well-lit public area
• Report any suspicious activity or crimes to law enforcement immediately

(1) ULTIMATE ID™ program begins when you successfully validate your identity to complete the activation process. An active email address is required. To report an identity theft incident or for assistance obtaining your activation code, please call 1.877.279.6338 and speak with a dedicated Ultimate ID™ recovery advocate. Certain restrictions and limitations apply. See complete terms and conditions and program eligibility. Please refer to your summary of benefits for program specific information. No one can prevent all identity theft. There is a monthly fee of $6.00 for Benefits Checking by GenGold.

Contact Us

Main Office
208 East Main Street
Grayson, KY 41143

Lobby Hours

Mon – Thurs: 8:30a- 3:00p
Fri: 8:30a – 5:00p
Sat: Closed

24hr Telebanker
Phone: 1 (800)598-4524

Phone: 606.474.7811
Fax: 606.474.2100

Toll Free: 800-467-1179

Olive Hill Office
155 E. Tom T. Hall Blvd
Olive Hill, KY 41164

Lobby Hours

Mon – Thurs: 8:30a – 4:00p
Fri: 8:30a – 5:00p
Sat: 8:30a – 1:00p

Drive-Thru Hours

Mon – Fri: 7:00a – 6:00p
Sat: 7:00a – 1:00p

Phone: 606.474.7811
Toll Free: 800-467-1179

Interchange Branch

109 North Carol Malone Blvd
Grayson, KY 41143

Lobby Hours

Mon – Thurs: 8:30a- 5:00p
Fri: 8:30a – 6:00p
Sat: 8:30a – 1:00p

Drive-Thru Hours

Mon – Fri: 7:00a – 6:00p
Sat: 7:00a – 1:00p

Phone: 606.474.7811
Toll Free: 800-467-1179