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Perfect for all ages, our Totally Free Checking1 account is personalized with free perks just for you – keeping your wallet, and life, happy.
Receive $502 when you open a new checking account with us for the first time – exclusively October 15 and 16. Stop in, or open your account online right here!
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!
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!
| Features | Totally Free1 Checking | Benefit Interest Checking | Premium Interest Checking | BankOn Checking |
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| 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 |
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| Free ATMs4 |
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| Debit Card Rewards |
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| Free Custom Debit Card Designs |
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| Free Checks |
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| Early Paydays3 |
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| Overdraft Protection Options |
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| Learn more. | Account Details | Account Details | Account Details | Account Details |
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!
Earn a higher interest rate simply by maintaining a higher balance with Gate City Bank’s Premium Interest Checking account!
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.
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 October 15-16, 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. $50 will be deposited into qualifying accounts by December 16, 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 $50 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.
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