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Greenville National Bank Review

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Greenville National Bank Savings
0.05% APY
1. Overview 2. How We Rated It 3. Products Offered 4. Branch Locations

Overview

Founded in 1934, Greenville National Bank has $421 million in assets and deposits totaling $350 million, making the institution a medium-size bank. Greenville National Bank, whose headquarters are in Greenville, Ohio, lacks premium access to customer service, with no live chat or all-day service options available. It is a conventional brick-and-mortar bank with in-person service, in addition to its online and mobile apps. At a SmartAsset rating of 4.2 stars out of 5, Greenville National Bank should be solidly in contention for your choice of bank. Greenville National Bank has a choice of product offerings, including savings accounts, checking accounts, CDs, IRAs, mortgage products and credit cards. It has a fair savings rate; other popular banks have higher rates. If you're looking for a checking account for everyday use, Greenville National Bank's standard checking account does not have a monthly fee. Finding a checking account with no monthly fee and a savings account with a high APY at the same bank is the best bet for getting the most income on your deposits alongside convenient access to your funds.

How We Rated It

SmartAsset's Overall Rating

4.2/5
National Average: 4.1

The overall rating is a weighted average of rates, fees, service quality and financial health.Read more

Rates

2.9
SmartAsset Average: 3.5

Greenville National Bank has a savings rate of 0.05%, which is fair in comparison to the average U.S. bank. Greenville National Bank's CD rates are 0.30% and 3.05% for the one-year and five-year term lengths, respectively, while its highest-yielding money market account has an APY of 0.35%. Given its noncompetitive savings rate, you should consider looking at the competition to open savings accounts.

How Greenville National Bank's Savings Rates Compare

Greenville National Bank Savings 0.05 National Average 0.26 Compare Offers
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Fees

5.0
SmartAsset Average: 4.4

Greenville National Bank generally has extremely low fees compared to the national average. Greenville National Bank's checking account has no monthly fee, making it excellent for anyone looking for a hassle-free account. Greenville National Bank unfortunately does not refund out-of-network ATM fees, which means you will have to find a Greenville National Bank ATM or accept the ATM charge.

Monthly Fee $0 National Average: $3.21
Non-network ATM Fee N/A National Average: $1.20
Overdraft Fee N/A National Average: $35.00
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Service Quality

4.1
SmartAsset Average: 3.7

Greenville National Bank is a brick-and-mortar bank, with nine total branches in Indiana and Ohio. It also offers access to mobile and web apps for easy access and banking on the go. It does not provide access to all-day customer service with actual service representatives. You can get help during its customer service hours, which are Monday through Thursday, 8:00 a.m. to 4:30 p.m. ET; Friday, 8:00 a.m. to 6:00 p.m. ET; Saturday, and 8:00 a.m. to 11:30 a.m. ET. Greenville National Bank receives relatively decent reviews from users for its mobile app. With 13 ratings on iOS and Android platforms, the Greenville National Bank mobile app has an overall rating of 4.3 out of 5 (compared to the national average of 3.8). You can use Greenville National Bank's mobile app to manage your accounts by checking monthly statements, transferring funds and reaching customer service. Greenville National Bank gets a superb consumer satisfaction rating due to comparatively few consumer complaints filed with the Consumer Financial Protection Bureau (CFPB), a government agency that protects consumers in the financial sector.

Overall Mobile Rating 4.3/5
Consumer Satisfaction Rating 5.0/5
Online Banking Portal No
Live Chat No
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Financial Health

4.7
SmartAsset Average: 4.8

Greenville National Bank ranks as a medium-size bank and manages $421 million in assets and $350 million in deposits. Greenville National Bank's Texas Ratio is 6.31%, denoting a small chance of failure. Additionally, Greenville National Bank is FDIC-insured, meaning that your money is insured up to $250,000, even in the event of bank failure.

Texas Ratio Analysis

6.31%
High Risk 75% 50% 20% 10% Low Risk

The Texas Ratio, a measure of a "bad assets" against available capital, can provide an early warning sign of bank failure. A low ratio indicates smaller chance of failure; a higher ratio suggests greater risk.

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Compare Greenville National Bank to Other Competitive Offers

Products Offered

Product Current Terms and Rates Minimum Balance for APY
Savings Account 0.05% APY $1
Checking Account 0.05% APY $750
Certificates of Deposit
  • 12 Month: 0.30% APY
  • 24 Month: 0.55% APY
  • 36 Month: 0.80% APY
  • 48 Month: 0.85% APY
  • 60 Month: 3.05% APY
$1000 for all terms
Money Market Accounts 0.25% APY 0.35% APY $10000 $15000

Greenville National Bank has several deposit products including savings accounts, checking accounts and CDs to give you many options to manage your money. Greenville National Bank does not have the best savings rate, which means you should consider looking elsewhere for banks that deliver more return for your money. CDs can be a terrific option to achieve higher returns, but there are limitations to accessing your money. Greenville National Bank's CD rates are fair compared to other U.S. banks.

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Find a Greenville National Bank Near Me

Greenville National Bank has nine physical branches in the U.S.

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