Introducing our NEW Mortgage Rate Relief Program, offering rates approximately 2% lower than current market rates to eligible homebuyers. Find out more!

four happy young adults sit outside after setting up student banking at Gate City Bank

Simply Better Student Banking.

Gate City Bank has an array of banking options for students of any age! Our online- and mobile-friendly solutions keep both students and parents connected, no matter the distance. And if it’s setting up your child’s financial health you’re interested in – we offer guided resources there, too.

School’s in Session.

From first checking accounts to financial education to sporting school pride with your debit card and everything in between, we make things simply better for students of all ages.

happy students complete homework after using their gate city bank checking account

Checking Accounts Made for Students.

From accounts with no fees and low-to-no minimum balances, we keep you focused where it matters most. Let us help guide you toward the right account.

joyful young man takes advantage of financial education resources from Gate City Bank

Grow More Than Just Your Credit Score.

Whether it’s credit cards, emergency savings or countless other money topics, our education articles and videos are designed with your future in mind.

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
group of women friends posing for a goofy picture to go on a custom debit card

Be You, With Us.

You’re wonderfully unique. Your card should be, too! Upload your favorite photo from your recent vacation or bring your business logo to the forefront with My Card Creation options.

Customize Your Card
Sample collage of 60+ school debit card designs available free from Gate City Bank

Show Your Spirit!

Cheer on your favorite team! We’ll donate $10 to the participating school of your choice. Stop by any of our convenient locations to get your card instantly, or order online anytime. See gallery with 60+ designs.

Order My Card
mom and two young girls happily look at folder after securing a student savings account

Student Savings Made Simple.

Our savings account options are suited for students of any age, and the accounts can be upgraded to other accounts with higher interest as the student (and savings) grows.

Get Started

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.