Preferred Perks Checking¹ Puts More in Your Pocket.

¹ Available to individuals ages 18 or older upon approval of account opening. Access to features may be subject to additional terms and conditions and is subject to change.

² Enjoy free access at any Gate City Bank ATM, as well as at over 85,000 MoneyPass® and Allpoint® operated ATMs worldwide. Personal checking customers can receive up to $250 in automatic fee refunds at out-of-network ATMs per year with a Preferred Perks or Premium Interest Checking account or up to $150 in automatic fee refunds with a Totally Free Checking or BankOn Checking account.

³ Benefits are available to personal checking account owner(s) and joint account owners subject to the terms and conditions for the applicable Benefits. Some Benefits require authentication, registration and/ or activation. Benefits are not available to a “signer” on the account who is not an account owner or to businesses, clubs, trusts, organizations and/or churches and their members, or schools and their employees/students.

⁴ Available for the primary account holder and their spouse/domestic partner and up to six dependent children age 2 and older. This is not insurance.

⁵ Medications may only be prescribed where allowed by law. In certain states, a Veterinary-Client-Patient-Relationship (VCPR) must be established to diagnose and treat patients through eVets, and only advice and virtual veterinary triage may be provided without a VCPR.

⁶ Your direct deposit will generally be accessible the same day we receive it, up to two days early.

⁷ No maintenance or activity fees. Other fees, including overdraft fees, may apply. Please see our Schedule of Fees for details.

⁸ 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.

⁹ Special Program Notes: The descriptions herein are summaries only and do not include all terms, conditions and exclusions of the benefits described. Please refer to the actual Guide to Benefit and/or insurance documents for complete details of coverage and exclusions. Coverage is provided through the company named in the Guide to Benefit or on the insurance document. Insurance products are not insured by the FDIC or any federal government agency, not a deposit of or guaranteed by the bank or any bank affiliate.

¹⁰ Credit Score is a VantageScore 3.0 based on single bureau credit data. Third parties may use a different VantageScore or a different type of credit score to assess your creditworthiness. Once credit file monitoring has been activated, you may request your credit score. Once you have done so, you will have access to your score on a monthly basis.

¹¹ Credit Score Tracker: Once credit file monitoring has been activated and you have requested your first credit score, you may request a new credit score each month to be plotted on your Credit Score Tracker graph. Monthly email notifications will be sent to let you know when your new score is available.

* Registration/activation required.

** Estimated value based on approximate monthly costs or savings for similar marketplace benefits and subject to change. Benefits and features may vary and may not necessarily reflect the exact features offered through Preferred Perks Checking Account. No cash value is implied with the use of this account or any of its features.