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

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
  • Check and debit card buyback when you switch to Gate City Bank
  • 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 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 Paydays2 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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Benefit Interest Checking

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

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

Premium Interest Checking

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

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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. See fee schedule for details.

2 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.