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Germantown Trust & Savings Bank

Welcome to Germantown Trust & Savings Bank.  

For over 100 years, residents from our community have relied on the safety and soundness of Germantown Trust & Savings Bank for their financial needs.  For all those who bank with us, we appreciate your trust.  For those who are looking for a community bank, please allow us the opportunity to provide you the attention and banking service you deserve. 

Tips, Trends and Tidbits


On Friday, December 11th, Germantown Trust & Savings Bank treated their employees at all four locations to a delicious lunch courtesy of members of the local Backstoppers organization.  Proceeds from this benefit will be used to support local families of fallen EMT, Police, and Firemen.

Pictured from left are Floyd Trame, Sr. Loan Officer, Shane Westfall and Jason Klein of the local Backstoppers, and DJ Deiters, Vice President.

Letter from the President

The holidays are a crazy time of year!  While everyone tries their best to keep everything "Merry & Bright", our patience can often be tested and stress levels can easily reach a breaking point.  This stress is often intensified by financial concerns.  The parties, presents, and travel can all add up far too quickly.  A great way to relieve some of the "all expense at once" stress of the Holidays is to save year round for Christmas.  If you've never taken advantage of our Christmas Club account or simply forgotten about it this year, it is not too late to start one for 2016.  It's simple, you make routine deposits throughout the year.  We send you your deposited funds plus interest in Mid-October of the following year, and just like that, the holiday expenses become a bit more affordable.   

December is also a great time for me to remind everyone about shopping safety.  Always be aware of your surroundings, paying particular attention to anyone who is too interested in the manner in which you are paying for your purchases.  Be vigilant about maintaining the security of your PIN.  Always try to block the keypad as you enter your PIN.  If you feel uncertain about entering your PIN, a debit card can also be processed as a signature rather than PIN based transaction.  Simply select credit rather than debit.  The debit will still come directly from your account.   

Also, remember to check your credit report at least once a year.  Each of the major nationwide credit reporting companies are required to provide, upon request, one free copy of your credit report every 12 months.  Go to to request your copy.

I wish everyone a Happy and Blessed Christmas and all the best in 2016.  I hope your holidays are filled with the love and laughter of family and friends.


Dale G Deiters

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