Introducing our NEW Mortgage Rate Relief Program, offering rates approximately 2% lower than current market rates to eligible homebuyers. Find out more!

happy woman enjoys no overdrafts while using pink phone and headphones

Turn Worries Off With BankOn Checking

Not always in touch with your daily account balance? We get that. We’ve worked to create a new offer: our simple BankOn Checking account. This account may keep you from accidentally overspending your account.

Hello, Simple.

BankOn - National Account Standards Seal 2023 2024Whether it’s the unplanned gas fill-up or the forgotten bill, we know life happens! With a low-cost BankOn checking account, there are no overdraft fees – which may be the perfect option for you. In the event your checking account doesn’t have sufficient funds, you may prefer to simply have a transaction declined and avoid any overdraft fees.

Say goodbye to overdraft fees and hello to your new account – all at a low monthly service charge. To explore if this account makes sense for you, call 701-293-2400 or 800-423-3344, or visit any of our convenient locations.

Maybe This Account Isn’t the One? Let’s Try Again.

When it comes to better checking, we make it easy to choose the best match for you. Try out our helpful comparison tool to learn which option is the best fit:

What’s the Best Checking 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 across ND and MN
  • 24/7 mobile and online banking
  • Easy and safe 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 Paydays2 Included. Included. Included. Included.
Overdraft Protection Options Included. Included. Included. Included.
Learn more. Account Details Account Details Account Details Account Details
“My wife and I have had a Gate City Bank checking account for years, and we’ve enjoyed very good service. It’s an A+ bank.”

Gerald – Wahpeton, ND

“I’ve had a checking account with Gate City Bank for a long time. They’ve been awesome to me.”

Sebastijan – Fargo,ND

young woman balances checkbook with calculator

Crunch the Numbers With Ease.

Balancing your checkbook doesn’t have to be a pain! Our user-friendly calculator makes the process simple.

happy man sits at table with laptop and enjoys helpful educational resources

Become a Personal Finance Guru.

Master your money with our helpful educational resources! Learn about everything from opening your first checking account to planning for retirement.

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