happy man and woman look at phone to access better checking

Checking Accounts Made for You

Whether you’re opening your first checking account or looking to expand your offerings, we’ll help guide you to the perfect account.

Get Started

Checking Accounts Made Simple.

We’re all about creating a better way of life for our customers, communities and team members. We offer a variety of checking account options to fit any lifestyle, and each account’s benefits are simply unmatched. We’re here to help personalize your experience, and your account, to be exactly what you’re looking for.

Or, maybe you’re here to learn more about business checking options instead? After all, your business is unique – your banking should be, too.

Which Account Is Right for Me? Let’s Compare Options.

All Gate City Bank checking accounts come with exclusive benefits of better banking, including:
  • Special gift for new checking customers
  • Eligible for check and debit card buyback when you switch to Gate City Bank
  • Instant-issue debit cards at all locations
  • Fast and convenient online banking and mobile app
  • Easy debit card controls
Features Totally FREE1 Checking  Benefit Interest Checking Premium Interest Checking BankOn Checking
Get started. 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 Paydays Included. Included. Included. Included.
Overdraft Protection Options Included. Included. Included. Included.
Learn more. Account Details Account Details Account Details Account Details
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, and this can lead to unexpected overdrafts with your Gate City Bank checking account. But fear not! You can now say goodbye to overdraft fees with options such as a checking reserve line of credit or savings link. Visit a location or contact us to learn more and get started!

Contact Us
young happy couple sits together at table with debit card and enjoys totally free checking

Totally FREE Checking

Interested in making your banking experience even better? Check out Gate City Bank’s Totally FREE Checking! It’s perfect for customers at any stage in life.

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 perfect 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? If you want to avoid accidentally spending more money than you actually have in your account, our BankOn Checking could be the perfect solution for your lifestyle! Rest assured, your account will never be overdrawn, so you can say goodbye to unexpected fees.

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