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Personal Banking

Smart Banking

Manage Your Genial Trust Accounts with Our Online Portal

Take control of all aspects of your Genial Trust accounts through our secure Online Banking portal. Enjoy a range of features designed to simplify your banking experience.

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Online Banking

Easily manage your personal and business accounts from any computer.

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Bill Pay

Schedule and pay your bills directly through our online portal.

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Transfers

Seamlessly transfer funds between accounts or to other banks.

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Account Alerts

Receive real-time notifications about your account activity and balance.

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Online Statements

Access and review your account statements anytime.

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24/7 Account Access

Manage your accounts anytime, anywhere with secure online banking.

Important Disclosures
Important Details about Genial Trust Overdraft Protection
By enrolling in Genial Trust Overdraft Protection, you authorize us to approve and cover ATM and one-time debit card transactions even when you do not have sufficient funds in your account. A fee of €35 applies to each transaction that overdraws your available account balance by more than €50. This fee may apply to transactions made by debit card, check, in-person withdrawal, or other electronic means, with a maximum of 3 fees per day per account. You are required to settle overdrafts immediately. The decision to pay an overdraft is at our discretion, and we reserve the right to decline payment. For instance, we typically do not cover overdrafts if your account is not in good standing, if you are not making regular deposits, or if you have a history of frequent overdrafts. Unlike other forms of overdraft coverage, Genial Trust Overdraft Protection does not transfer funds from an approved line of credit, savings account, or home equity line of credit. The sequence in which transactions are processed may impact the total amount of overdraft fees incurred. For more information, refer to the Personal Deposit Account Agreement.

Overdraft Services do not apply to Genial Trust Essential Banking Accounts. We may decline or return transactions that would result in an overdraft. Transactions you make may cause your account to overdraw, but we will not assess your Genial Trust Essential Banking Account an overdraft fee or return item fee. For example, preauthorized transactions and other transactions may post to your account even when the available balance is insufficient to cover the transaction.

Overdraft Grace Period: When items are presented for payment that result in your available account balance being overdrawn by more than €50, our Overdraft Grace feature allows you to receive refunds for overdraft fees if your available account balance is at least €0, inclusive of any pending or posted items, by the end of the next business day.

Standard Overdraft Service: Our Standard Overdraft Service may allow ACH payments, recurring debit transactions, and personal checks to go through for a fee. A €35 fee applies to each transaction that overdraws your available account balance by more than €50 (up to a maximum of 3 fees per day per account). Whether an overdraft will be paid is at our discretion, and we reserve the right to decline payment. For example, we typically do not pay overdrafts if your account is not in good standing, you are not making regular deposits, or you have a history of frequent overdrafts. You are required to settle overdrafts immediately.

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