Other Services

Other Services

At Garrett State Bank, our priority is to make banking easy and convenient for our customers. You'll find information on several other services available at GSB.

Cashier's Checks & Money Orders

Cashier’s Checks & Money Orders

A Cashier's Check or Money Order is Garrett State Bank's own check drawn on the bank. Guaranteed by Garrett State Bank, cashier's checks are fast, safe alternatives to personal checks or cash. They are often required to complete transactions in situations where the security of a bank issued check is a must and other forms of payment are not accepted.

In an environment where fraud is becoming an increasing issue, cashier's checks or money orders offer a secure alternative to sending personal checks through the mail as they do not contain personal checking account information. Both are available to account holders for a small fee at any of our convenient branch locations.

Notary Services

Notary Services

Notary’s are available at all of our offices for your convenience. Notary services are FREE to all Garrett State Bank customers. Proper identification is required for these services.

Overdraft Protection

Overdraft Protection

Automatic Transfer

  • Link another GSB account to automatically transfer money
  • No credit required
  • Avoid overdraft fees

Redi-Reserve Line of Credit

  • Avoid overdraft fees
  • Automatic payments
  • Low interest rates
  • No annual fee

Safe Deposit Boxes

Safe Deposit Boxes

Protect your valuables at an off-site location with privacy and security in one of our branches.
Mainstreet Gold customers are eligible for a $20 credit. Contact your local office for more information.

Main Office detail
3x5 $20/year
5x5 $30/year
3x10 $35/year
5x10 $40/year
10x10 $70/year


Fort Wayne Office detail
3x5 $20/year
3x10 $35/year
5x10 $40/year
7x10 $60/year


Ashley / Hudson Office detail
5x5 $30/year
3x10 $35/year
5x10 $40/year
10x10 $70/year

Wire Transfers

Wire Transfers

A wire transfer is one of the fastest ways to send money electronically. We offer domestic and international wire transfer services at all of our offices. Fees may apply.


Incoming Domestic Wires:

  • Garrett State Bank’s ABA Routing Number – 074903803
  • Include the Beneficiaries Name, Address & Account Number

Incoming International Wires:

  • Please contact our operations department at 1-888-357-3133 for further information

Outgoing Domestic Wires:

  • Beneficiary Name
  • Beneficiary Address
  • Receiving Financial Institution ABA/Routing Number

Outgoing International Wires:

  • Beneficiary Name & Address
  • Receiving Bank Name & Address
  • Beneficiary Account Number
  • Swift Code

Wire Transfers received by 4 pm will be sent out the same day. Wire transfers received after 4 pm will process the next business day.

Cost of Services

The following fees may be assessed against your account and the following transaction limitations, if any, apply to your account.

Fees Amount
Automatic Overdraft Transfer - Savings to Checking (per transfer) $7.00
Redi-Reserve Advance (per advance) $7.00
ATM or Debit Card - Replacement $5.00
Check Printing (Fee depends on style and quantity of checks ordered)
Counter Checks $1.00 each
Cashier’s Checks $5.00
Bank Money Orders $5.00
Dormant Account Fee
This fee is charged each month.
A checking account is dormant if you have not made any deposits or withdrawals on the account for 12 months.
A savings account is dormant if you have not made any deposits or withdrawals on the account for 24 months.
Escheatment Fee $25.00
Garnishments/Tax Levy Fee $25.00
Nonsufficient Funds (NSF) Items Paid - each
The categories of transactions for which an overdraft fee may be imposed are those by any of the following means: check, in-person withdrawal, or other electronic means.
Nonsufficient Funds (NSF) Items Returned - each $32.00
Continuous Overdraft after 7 calendar days $32.00
Deposited Item Returned $10.00
Account Activity Printout $1.00
Account Research $25.00 per hour
Checks or Statements $2.00 per copy
Account Balancing Assistance $25.00 per hour
Account Closed within 90 days of opening $25.00
Request to Close Account by Mail $5.00
Telephone Transfers $5.00
Stop Payments - each $32.00
Photocopies or Fax - each $2.00
Domestic Wire Transfers detail
Outgoing (customer) $20.00
Outgoing (non-customer) $25.00
Incoming (customer) $10.00
Incoming (non-customer) $20.00
Coin Counting (non-customer) $5.00 for the first $250.00; 10% after
Check images $2.00
Copy/Duplicate Account Statement $3.00

We may require not less than 7 days notice in writing before each withdrawal from an interest-bearing account other than a time deposit, or from any other savings account as defined by Regulation D. Withdrawals from a time account prior to maturity or prior to any notice period may be restricted and may be subject to penalty. See your notice for early withdrawal.