young happy couple sits together at table with debit card and enjoys totally free checking

Banking Is Better With Totally FREE Checking

Full of a wide array of benefits and perfect for all ages, the Totally FREE checking1 account goes where you go - keeping your wallet, and life, happy.

Open Account

Better Checking Begins 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! No need to imagine - it's here, and it's ready for you to take in all the FREEs including:

Welcome to banking done differently. Totally FREE1 Checking is the perfect fit for any lifestyle, and it’s designed to create better way of life. Getting started is quick and easy.

Open 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!

Which Account Is Right for Me? Let’s Compare Options.

All Gate City Bank checking accounts come with exclusive benefits of better banking, including:
  • Special gift for new checking customers
  • Eligible for check and debit card buyback when you switch to Gate City Bank
  • Instant-issue debit cards at all locations
  • Fast and convenient online banking and mobile app
  • Easy 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 Paydays 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 perfect option for you!

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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.

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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. 

1 No maintenance or activity fees. Other fees may apply. See fee schedule for details.