Curly-haired woman smiling and sipping coffee after opening a Benefit Interest Checking account in Bismarck, ND

Benefit Interest Checking to Put Your Money to Work.

From free ATMs to free checks, welcome to a better interest checking account with more perks – without any minimum balance.

Open My Account

More Interest. More Benefits.

Competitive
Interest Rates

No Monthly Minimums or
Service Fees1

Free Checks

Free ATMs, Debit Card
Rewards & More!

Earn Interest With Ease.

Our most popular option, a Benefit Interest Checking account can be all yours if you have two or more of the following: direct deposit, external recurring automatic payments, savings account, loan with automatic payments or certificate of deposit (CD).

Pssst. Wanna Qualify for a Premium CD Rate?

Once you open a Benefit Interest Checking account with us, you’ll automatically qualify for an additional perk! Say hello to our premium relationship CD rate.

Benefit Interest Checking Account Rates2

Accurate as of Monday, December 2, 2024
Earning interest with your checking account is simple! You won’t want to miss out on the most competitive rates around. 
Interest Rate Annual Percentage Yield (APY) Minimum Balance to Open Minimum to Earn APY
Interest Rate0.01% Annual Percentage Yield (APY)0.01% Minimum Balance to Open$50 Minimum to Earn APY$0.01

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 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 Paydays3 Included. Included. Included. Included.
Overdraft Protection Options Included. Included. Included. Included.
Learn more. Account Details Account Details Account Details Account Details
Smiling silver-haired man in glasses, checking his high interest checking account balance on his laptop at home in Fargo, ND

Premium Interest Checking

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

happy man in Fargo office – checking his Gate City Bank money market account and current savings balance on his tablet

Money Market Savings

Looking for a savings account with a higher interest rate? Our user-friendly money market savings option features no fees, a great interest rate and a modest minimum balance. 

are cds worth it

CDs

With competitive rates and varying term options, our CDs are perfect for any life stage. Earn competitive rates easily when you open a CD with Gate City Bank!

happy young woman works at desk laptop and examines best IRA accounts with Gate City Bank

IRAs

Working toward a financially secure future? Our IRA accounts can help you save to be secure in retirement!

“I switched from another bank because I heard great things in town about Gate City. The environment was cozy and welcoming. The lady who helped me was very kind, and she told me about the different types of checking accounts, like the ones with interest. You offer more benefits than big national banks, too, which is nice.”
Young woman smiling while talking with a friendly banker at Gate City Bank’s Village West location in Fargo, ND
Sarah H.
Fargo, ND

1 No maintenance or activity fees. Other fees, including overdraft fees, may apply. Please see our Schedule of Fees for details.

2 Maintain the minimum daily balance to maintain the disclosed annual percentage yield (APY). For a high yield savings account, if the balance falls below $50,000, interest rate and APY will adjust to the lower yield. The interest rate and APY are accurate as of the effective date shown above only, and are subject to change without notice, at Gate City Bank's discretion. Fees, including service fees, may apply and could reduce earnings on the account. See our Schedule of Fees for details.

3 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.