A grain bank is a physical storage and administrative facility where farmers deposit harvested cereal grains—such as corn, wheat, or rice—for safekeeping, conditioning, and future use. Rather than selling crops immediately during harvest when market prices are typically depressed due to oversupply, farmers store their grain in the bank and receive deposit receipts. They can withdraw their stored grain later for livestock feed, milling, or market sale, or use the stored commodity value to back loans and secure agricultural trade credit.