Online Banking
Sign Up!
Receive $1003 when you open a new checking account with us for the first time – exclusively August 19-20. Stop in, or open your account online right here!
| Most Popular | ||||
|---|---|---|---|---|
| Totally Free4 Checking | Benefit Interest Checking | Premium Interest Checking | BankOn Checking | |
| Open My Account | Open My Account | Open My Account | ||
| Minimum to Open | $50 | $50 | $50 | $25 |
| Monthly Service Charge | None | None | $10 if minimum balance falls below $5,000 | $5 for customer age 24+ |
| Earns Interest |
|
|
|
|
| Free ATMs1 |
|
|
|
|
| Debit Card Rewards |
|
|
|
|
| Free Custom Debit Card Designs |
|
|
|
|
| Free Checks |
|
|
|
|
| Early Paydays2 |
|
|
|
|
| Overdraft Protection Options |
|
|
|
|
| Learn more. | Account Details | Account Details | Account Details | Account Details |
No minimum balance. No monthly service charge. No problem. Discover all of the perks of Totally Free Checking – perfect for students!
Want to earn interest just by having a checking account? Gate City Bank’s Benefit Interest Checking account may be the perfect option for you!
Earn a higher interest rate simply by maintaining a higher balance with Gate City Bank’s Premium Interest Checking account!
Struggle with keeping track of your balance? Our BankOn Checking account may be the perfect solution. Your account will never be overdrawn, so you can say goodbye to unexpected fees.
Free ATMs1 everywhere you go
Easy mobile and online banking
Paydays up to two days early2
Debit card rewards for gas, groceries and more
Debit cards issued instantly at any location
24/7 fraud protection you can count on
1% rate discount on personal loans with automatic payments from your Gate City Bank account
Free welcome gift and much more!
Not quite sure which account is best for you?
(By the way, we offer business checking, too!)
1 Enjoy free access at any Gate City Bank ATM, as well as at over 85,000 MoneyPass® and Allpoint® operated ATMs worldwide. Personal account customers can receive up to $250 in automatic fee refunds at out-of-network ATMs per year. Please see our Schedule of Fees for details.
2 Early paydays! Isn’t that neat? Your funds will generally be accessible the same day we receive a deposit notice from your payer, up to two days earlier than your scheduled payment. Direct deposit is required, and early access is subject to the payer’s timing in submitting funds.
3 Offer valid August 19-20, 2026. Not valid with other checking offers. Customer must be a first-time Gate City Bank checking customer and at least 10 years of age. $100 will be deposited into qualifying accounts by October 20, 2026; recipients will receive a 1099-INT or 1042-S form. Account must be open and maintain a positive balance to receive the credit. $50 minimum deposit to open, and $100 bonus does not count toward minimum deposit. Gate City Bank reserves the right to decline opening an account based on account opening criteria, type of referral source or applications opened outside of North Dakota and Minnesota.
4 No maintenance or activity fees. Other fees, including overdraft fees, may apply. Please see our Schedule of Fees for details.
Email