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Benefit Interest Checking

FREE Benefits of Better Banking


  • FREE checks
  • No minimum balance
  • No monthly service charge
  • Premium rates on relationship CDs
  • Competitive interest rates
  • Minimum opening deposit of only $50
  • We also offer extra overdraft protection options – your choice of savings or credit! Ask about linking your savings as a back-up to your checking account5 to avoid overdrafts, or apply for a checking reserve line of credit to cover unexpected expenses when you need it. It's quick and easy!


Effective Date: Sunday, October 17, 2021

Benefit Interest Checking

Annual Percentage Yield*Interest RateMinimum to Open

*There is no minimum balance necessary to accrue interest or annual percentage yield. The interest rate and annual percentage yield are accurate as of the effective date shown above only, and are subject to change without notice, at Gate City Bank’s discretion.

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Gifts for You

Tell-A-Friend, and when they open a checking account, receive a gift!

1Internet service and mobile carrier provider fees may apply.
2Free standard delivery transactions.
3Conditions apply. Check and debit card bonus will be credited the same day and does not count toward the $50 minimum deposit when opening an account. Subject to 1099-INT reporting.
4Gate 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.
5Ope! Don't let that overdraft sneak right by ya. Optional protection automatically transfers available funds from your savings to your checking account when an overdraft would occur. $5 fee per automated transfer.