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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!
| $720 annual value!** | ||||
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| Preferred Perks3 Checking | Premium Interest Checking | Totally Free1 Checking | BankOn Checking | |
| Open My Account | Open My Account | Open My Account | ||
| ATM Fee Refunds | Up to $2504 | Up to $2504 | Up to $1504 | Up to $1504 |
| IDProtect® – Identity Theft Monitoring5 and Credit File Monitoring* |
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| 24/7 Telehealth*6 |
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| eVets*7 |
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| Health Discount Savings* |
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| Debit Card Rewards |
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| Paydays up to 2 Days Early2 |
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| Earns Interest |
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| Welcome Gift |
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| Minimum to Open | $50 | $50 | $50 | $25 |
| Monthly Service Charge | $4.95 if minimum daily balance falls below $5,000 | $10 if minimum daily balance falls below $5,000 | None | $5 for customers age 24+ |
| Overdraft Protection Options |
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| Learn more. | Account Details | Account Details | Account Details | Account Details |
(By the way, we offer business checking, too!)
More perks. More protection. More value. From 24/7 telehealth to credit monitoring to eVets services, welcome to an all-in-one checking account with extra benefits beyond banking.
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 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 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 Your direct deposit will generally be accessible the same day we receive it, up to two days early.
3 Available to individuals ages 18 or older upon approval of account opening. Access to features may be subject to additional terms and conditions and is subject to change.
4 Enjoy free access at any Gate City Bank ATM, as well as at over 85,000 MoneyPass® and Allpoint® operated ATMs worldwide. Personal checking customers can receive up to $250 in automatic fee refunds at out-of-network ATMs per year with a Preferred Perks or Premium Interest Checking account or up to $150 in automatic fee refunds with a Totally Free Checking or BankOn Checking account.
5 Benefits are available to personal checking account owner(s) and joint account owners subject to the terms and conditions for the applicable Benefits. Some Benefits require authentication, registration and/ or activation. Benefits are not available to a “signer” on the account who is not an account owner or to businesses, clubs, trusts, organizations and/or churches and their members, or schools and their employees/students.
6 Available for the primary account holder and their spouse/domestic partner and up to six dependent children age 2 and older. This is not insurance.
7 Medications may only be prescribed where allowed by law. In certain states, a Veterinary-Client-Patient-Relationship (VCPR) must be established to diagnose and treat patients through eVets, and only advice and virtual veterinary triage may be provided without a VCPR.
** Estimated value based on approximate monthly costs or savings for similar marketplace benefits and subject to change. Benefits and features may vary and may not necessarily reflect the exact features offered through Preferred Perks Checking Account. No cash value is implied with the use of this account or any of its features.
* Registration/activation required.
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