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Thank you so much for your interest in Banno! Please be aware that this is a secure area. No one else will see your personal information.

• I hereby agree to all terms and conditions found in the Disclosure Agreement link directly below this box. You agree to the following;

• I will be bound by the terms and conditions of GBC Bank (hereafter referred to as Bank) Depository Agreement which may be amended at the Bank's discretion.

• I understand that the password can be used to withdraw funds from the account(s) and that I must safeguard this code. I understand that I must remain responsible for all activity on my account. All terms and conditions that were disclosed to me when I opened my account continue to apply. I also agree to hold the Bank harmless from any and all costs, suits, expenses, liabilities, damages and attorney's fees arising from or related to the Bank acting in good faith in accordance with instructions and information that were sent electronically by the customer or the customer's authorized person(s).

• I authorize the bank to disclose information regarding my account(s) to third parties in order to complete transactions using Banno, including to resolve questions regarding such transactions.

• I agree that the Bank will not be liable to me if any authorized person intercepts electronic communications between me and the Bank.

• I must promptly report in writing any error in connection with any Banno and/or Bill Pay service and any discrepancy between my records of orders and requests and the notice I receive from the Bank regarding the Bank's execution of my orders and requests.

• I understand that the Bank will use the above e-mail address to periodically inform me of important Bank information.

• I agree that neither I nor the bank shall be responsible for any loss or delay caused by any failure or interruption of any electronic communication system between myself and the Bank which are unavoidable or beyond either party's reasonable control.

• I agree to pay the Bank the fees for placing stop payments and fees associated with the Bill Pay service if applicable. The Bank reserves the right to change fees and charges with advance customer notice. You agree to be bound by any transfer, instruction or payment order we receive through the Services, even if it is not authorized by you, if it includes your password or is otherwise processed by us in accordance with our security procedures. You agree to establish, maintain and update commercially reasonable policies, procedures, equipment and software that will safeguard the security and integrity of your computer system/device and information from unauthorized use, intrusion, takeover or theft, and prevent your password from unauthorized discovery or use. “You bear all risk of fraudulent transfers and other losses arising from your failure to follow this agreement or from the interception of your communications prior to their receipt by us. The Bank will not reimburse you if you fail to follow the procedures outlined in this agreement. You agree that The Bank is authorized to execute, and it is commercially reasonable for us to execute, any instruction received by us with your password.” Your statements will be available to you online for up to 18 months. You will continue to have the option to request statements, for which fees may apply; please refer to the applicable account agreement and disclosures for details. If you wish to receive a paper copy of a disclosure or other information presented to you electronically you can contact us by phone at (317)462-1431 or by email
CHANGE STATEMENT DELIVERY METHOD. You can enroll or un-enroll your accounts in E-statements. *Please note some accounts require E-statements to avoid a monthly fee.* To Un-enroll simply click on your E-Statement tab and select “Sign Up/Changes” and remove the check mark from the box next to your account that you wish changed then click “saved settings”. The change will take place the next statement cycle.
You agree that by navigating beyond the Credit Score Manager tab in our Online and Mobile Banking Service and continuing beyond the “Agree and Continue” button, or by otherwise accessing or using the Credit Score Manager Third-Party Content, you instruct GBC Bank to periodically obtain your credit report to use it for the following purposes:
• To display your credit score information to you for educational purposes and to assist you in understanding how financial transactions affect your credit score;
• To confirm your identity, such as to identify potential fraudulent transactions in your name; and
• To offer our products and services to you.
We will use the information on your customer file to verify your identity without any additional action needed by you. This information includes your name, social security number, birthdate and address.
When we display your credit score, this is a composite score designed by a third party and its use does not affect your credit score. If you choose to apply for additional products and services we offer (including extensions of credit), we may need to obtain your credit report, which can affect your credit score. We will request additional authorization from you at that time, if required.
The score shown is your Beacon 5.0 score. Each of the three credit bureaus (Equifax, Experian, and TransUnion) uses a different model to calculate a credit score and each gathers data independently. The credit bureaus pull your information from many different sources (such as lenders, collections, court records) at different times, there will always be discrepancies at any particular time between the reports from each credit bureau. Other financial institutions and companies that provide your credit score use different methods. Some rely on FICO® Score and some rely on Beacon 5.0 score. Even between those two companies, there are credit scores based on reports from one bureau, two bureaus, or all three bureaus.
Your lender (including GBC Bank) may not use Beacon 5.0 score, so it is possible that your lender will give you a score that differs from your BeaconScore. (And your BeaconScore 5.0 may differ from your score under other types of BeaconScores). Just remember that your associated risk level is often the same even if the number is not. For some consumers, however, the risk assessment of BeaconScore 5.0 could vary, sometimes substantially, from a lender's score. If the lender's score is lower than your BeaconScore 5.0, it is possible this difference can lead to higher interest rates and sometimes credit denial.
The score is eligible for update every 31 days. To update your score, you must log in to online or mobile banking at or after 31 days since enrollment and/or subsequent updates. ,
This service is only available to consumer/retail online banking customers. You may cancel this service at any time by selecting the “Unenroll Credit Score Manager” link found on the Credit Alerts page. Once you have unenrolled from the service, all information will be removed and you will no longer have access to the old information.

Fee Disclosure:
Banno Online Banking -Free
Consumer Bill Pay- Free
Business Bill Pay-no monthly fee; 20 payments free per month, then $.50 each.

Main Office

1920 N State Street
Greenfield, IN 46140