Founded in 1986, Garden Plain Bancshares manages a wholly owned subsidiary, Garden Plain State Bank, which offers money market, individual retirement, checking and savings accounts. Chartered in 1966, Garden Plain State Bank provides certificates of deposit, cashier's checks, safe-deposit boxes, and credit and debit cards. The bank operates an office in Wichita in Kansas. It also offers consumer, real estate, commercial and student loans. The bank provides direct deposit, overdraft protection, night depository, notary, and wire and telephone transfer services. In addition, it offers online mortgage, amortizing loan and net worth calculators. The bank is a member of the Federal Deposit Insurance Corporation and an Equal Housing Lender. Garden Plain State Bank operates the United Insurance Group.