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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.
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 ATMs Anywhere |
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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 Paydays2 |
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| Overdraft Protection Options |
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| Learn more. | Account Details | Account Details | Account Details | Account Details |
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!
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. See fee schedule for details.
2 Gate City Bank will generally make your funds available to spend the same day that we receive a deposit notice from your employer or other payer, up to two days earlier than your scheduled payday. Direct deposit required. Early availability subject to the timing of submission payment file from payer.
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