happy man in yellow shirt obtains cash with no fees from the nearest ATM

FREE ATMs Mean Your Cash Stays in Your Pockets

When you bank with us, you’ll enjoy automatic ATM fee refunds anytime, anywhere! That means that the cash you work hard for is for you to use, always.

No Receipts. No Hassle. Just better.

FREE, easy access to the cash you need when you need it is crucial – to you and to us. Available through any of our unique checking account options, our FREE ATM fee refund service has saved customers millions – not to mention a million headaches!

ATM Fees Refunded
Anywhere in the World
Limit on Refunds
Automatic Refunds

You work hard for your money – don’t let ATM fees get in the way of that! FREE ATMs are just one of the many benefits included in all our checking account options.

Choosing the Right Checking Account Is Simple.

Whether it’s our Totally FREE Checking account or an account that generates a higher interest rate, we have the account that’s perfect for you. Let’s see which one will best help you accomplish your financial goals:

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 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

Hear What Customers Have to Say!

“Gate City is great! They made opening the account very quick and easy. I like that there are no ATM fees; that's probably one of my favorite parts.”

Alexandra K. – Minot, ND

“The person I worked with was extremely helpful. I really like the no ATM fees that Gate City offers and that they are in close proximity to my house.”

Dustin P. – Fargo, ND

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!

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.