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

Put Your Money to Work With Benefit Interest Checking

What's better than an interest-bearing checking account with competitive rates, along with other benefits? Answer: Being overjoyed with our bank and your new account.

Open Account

Earn Interest With Ease.

Benefit Interest Checking is within your grasp as long as you have a direct deposit or an external recurring automatic payment, as well as any two of the following: debit card, mortgage loan, personal loan, money market savings account, regular savings account 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 Rates1

Accurate as of Thursday, April 25, 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 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
Features Totally FREE2 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 Paydays3 Included. Included. Included. Included.
Overdraft Protection Options Included. Included. Included. Included.
Learn more. Account Details Account Details Account Details Account Details
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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


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

Saving for Retirement Made Simple

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

1 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 fee schedule for details.

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