Joyful blonde woman with fedora sunglasses and phone enjoys premium interest checking outside

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.

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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 Wednesday, May 22, 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 Rate0.10% 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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Free Referral Gift

Tell your friends about better banking, and get a free gift – only for a limited time!

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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


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!

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.