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Totally FREE* Checking

FREE Benefits of Better Banking

No minimum balance and no monthly service charge, all with a minimum opening deposit of only $50. Plus, ask about overdraft protection options, such as linking your savings to your checking account5 or a checking reserve line of credit to avoid overdrafts.

Are you ready to live your best financial life? Getting started is quick and easy!

Better Student Options

Parents, help your children learn how to manage finances with a Totally FREE* Checking account at Gate City Bank!

Set your kids up for financial success.

*No maintenance or activity fees. Other fees may apply. See fee schedule for details.
1Internet service and mobile carrier provider fees may apply.
2Free standard delivery transactions.
3Recipient must be enrolled in uChoose Rewards® to earn points.
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.