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.

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
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
a sample collection of My School Spirit custom debit cards from Gate City Bank

Spirit – Let’s Hear It!

Whether you’re a teacher, parent, student or simply a die-hard fan, cheer on your school with a My School Spirit card! Even better, we’ll donate $10 to the school with every card ordered.

Order 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 may apply. See fee schedule for details.