All locations will be closed on Monday, May 29, in observance of Memorial Day.

Smiling husband and wife looking at smartphone together, choosing the best checking accounts for them with Gate City Bank

Choose the Best Checking Account for You.

Welcome to better banking with free ATMs, debit card rewards and more! Whether you’re opening your first checking account or looking for perks, we’ll guide you to the perfect account.

Get Started

Better Checking. Better Balance.

Neighborhood service. Worldwide perks. With Gate City Bank, come enjoy free ATMs everywhere, early paydays and more!

What’s the Best Account for Me? Let’s Compare Options.

All Gate City Bank checking accounts come with exclusive benefits, including:
  • Special gift for new checking customers
  • Check and debit card buyback when you switch to Gate City Bank
  • Instant-issue debit cards at all locations
  • 24/7 mobile and online banking
  • Easy and safe debit card controls
Help Me Choose
Features Totally FREE1 Checking  Benefit Interest Checking Premium Interest Checking BankOn Checking
Open This Account Open This Account Open This Account
Minimum to Open $50 $50 $50 $25
Monthly Service Charge None None $8 if balance is less than $1,000 $5 for customer age 24+
Earn Interest Not Included. Included. Included. Not Included.
FREE ATMs Anywhere Included. Included. Included. Included.
Debit Card Rewards Included. Included. Included. Included.
FREE Custom Debit Card Designs Included. Included. Included. Included.
FREE Checks Not Included. Included. Not Included. Not Included.
Early Paydays2 Included. Included. Included. Included.
Overdraft Protection Options Included. Included. Included. Included.
Account Details Account Details Account Details Account Details

Have something else in mind? You can explore our business checking options, too!

excited young woman checks smartphone after opening a checking reserve line of credit at Gate City Bank

Byeeeeee, Overdraft Fees!

We get that life comes with surprise expenses, which may lead to unexpected overdraft fees. With alternatives like our checking reserve line of credit, savings link and our BankOn checking account, we’ve got options to help keep you covered.

Learn More
Happy Gen Z woman in tortoiseshell glasses, looking at a tablet and opening a free checking account with her boyfriend

Totally FREE Checking

Free ATMs everywhere. No minimum balance. No monthly service charge. Discover all of the perks of Totally Free Checking – perfect for students!

woman happy about interest-bearing checking account listens to headphones outside

Benefit Interest Checking

Would you like to earn interest just by having a checking account? Gate City Bank’s Benefit Interest Checking may be the best option for you!

Joyful blonde woman with fedora sunglasses and phone enjoys premium interest checking outside

Premium Interest Checking

Earn a higher interest rate simply by maintaining a higher balance with Gate City Bank’s Premium Interest Checking account!

happy woman enjoys no overdrafts while using pink phone and headphones

BankOn Checking

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.

1 No maintenance or activity fees. Other fees, including overdraft fees, may apply. See fee schedule for details.

2 Gate City Bank will generally make your funds available to spend the same day that we receive a deposit notice from your employer or other payer, up to two days earlier than your scheduled payday. Direct deposit required. Early availability subject to the timing of submission payment file from payer.