Happy Gen Z woman in tortoiseshell glasses, looking at a tablet and opening a free checking account with her boyfriend

Totally Free Checking.
Totally You.

Perfect for all ages, our Totally Free Checking1 account is personalized with free perks just for you – keeping your wallet, and life, happy.

Open My Account

Group of young friends sitting on bleachers in sunny Fargo, ND, opening new Gate City Bank checking accounts via mobile

$100 for You:
Two Days Only!

Receive $1002 when you open a new checking account with us for the first time – exclusively August 13-14. Stop in, or open your account online right here!

Free Perks. Flexible Checking.

Imagine a checking account that’s super easy to use, an opening deposit of only $50, no minimum balance and no monthly service charge. It's great for students, too!

Open My Account

And hey, if you’re not sure this is the right account, we can help with that, too. We offer multiple options to choose from!

What’s the Best Checking Account for Me? Let’s Compare Options.

All Gate City Bank checking accounts come with exclusive benefits, including:
  • Special gift for new checking customers
  • Instant-issue debit cards at all locations across ND and MN
  • 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 ATMs4 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
Curly-haired woman smiling and sipping coffee after opening a Benefit Interest Checking account in Bismarck, ND

Benefit Interest Checking

Want to earn interest just by having a checking account? Gate City Bank’s Benefit Interest Checking account may be the perfect option for you!

Smiling silver-haired man in glasses, checking his high interest checking account balance on his laptop at home in Fargo, ND

Premium Interest Checking

Earn a higher interest rate simply by maintaining a higher balance with Gate City Bank’s Premium Interest Checking account!

guy in glasses and purple shirt enjoys great savings account rates on phone

Regular Savings

Looking for a savings account that’s perfect for your walk of life? Our regular savings option features no fees, competitive interest rates and a low minimum balance.

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. 

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

2 Offer valid August 13-14, 2025. Not valid with other checking offers. Customer must be a first-time Gate City Bank checking customer and at least 10 years of age. $100 will be deposited into qualifying accounts by October 14, 2025; recipients will receive a 1099-INT or 1042-S form. Account must be open and maintain a positive balance to receive the credit. $50 minimum deposit to open, and $100 bonus does not count toward minimum deposit. Gate City Bank reserves the right to decline opening an account based on account opening criteria, type of referral source or applications opened outside of North Dakota and Minnesota.

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.

4 Enjoy free access at any Gate City Bank ATM, as well as at over 85,000 MoneyPass® and Allpoint® operated ATMs worldwide. Personal account customers can receive up to $250 in automatic fee refunds at out-of-network ATMs per year. Please see our Schedule of Fees for details.