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Premium Interest Checking

FREE Benefits of Better Banking


  • Earn higher interest by maintaining a daily balance of $2,500 or more
  • Only an $8 monthly service charge if the balance falls below $1,000
  • Minimum opening deposit 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: Saturday, October 1, 2022

Premium Interest Checking Rates

Annual Percentage Yield*Interest RateMinimum Balance to Earn Interest and APY
0.05%0.05%less than $2,500
0.10%0.10%$2,500 or more

*Annual Percentage Yields are variable and subject to change without notice at Gate City Bank’s discretion. Annual Percentage Yields are accurate as of the effective date shown above only. Daily balance tiers are applicable as of the effective date shown above only and may change at Gate City Bank’s discretion. Account fees may reduce earnings.

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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; $10 per express delivery transaction.
3Check and debit card bonus will be credited the same day and does not count toward the $50 minimum opening deposit.
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.
Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.