All locations will be closed on Monday, May 29, in observance of Memorial Day.

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Keeping Your Interest Top of Mind With Premium Interest Checking

A higher daily balance translates to earning higher interest with this checking account. And that is something to smile about.

Get Started

Better Opportunities to Make Your Dollars Work for You.

Earning higher interest with your checking account has never been easier! Premium Interest Checking is an account that earns a higher interest rate when you maintain a daily balance of $2,500 or more. Don’t miss out on the most competitive rates around:

Premium Interest Checking Account Rates1

Accurate as of Monday, May 29, 2023
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 Rate0.10% Annual Percentage Yield (APY)0.10% Minimum Balance to Open$50 Minimum to Earn APY$0.01 -  $2,499.99
Interest Rate0.20% Annual Percentage Yield (APY)0.20% Minimum Balance to Open$50 Minimum to Earn APY$2,500+

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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Referral Program

Have you heard about our Tell-A-Friend program? When you spread the word about better banking to friends and family, and when they open a new checking account, we’ll give you both a free gift! Learn more.

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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. 

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Financial Planning

Whether it’s saving for college, financial investments, retirement or anything in between, easily plan for your future with the helpful advisors at Gate City Investment Services!

are cds worth it


Did you know that Gate City Bank’s certificate of deposit (CD) options are safe, secure, insured and offer better interest rates?

1 Maintain the minimum daily balance to maintain the disclosed annual percentage yield. The interest rate and annual percentage yield are accurate as of the effective date shown above only, and are subject to change without notice, at Gate City Bank’s discretion. Fees could reduce earnings on the account.

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

3 Gate City Bank will generally make your funds available to spend the same day that we receive a deposit notice from your employer or other payer, up to two days earlier than your scheduled payday. Direct deposit required. Early availability subject to the timing of submission payment file from payer.