Smiling curly-haired woman in Fargo, ND, relaxing on her bed with her dog after choosing her best checking account

Choose the Best Checking Account for You.

Welcome to debit card rewards, easy mobile banking and much more! Whether you’re opening your first checking account or looking for more perks, we’ll guide you to the perfect account.

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Better Checking. Better Balance.

Neighborhood service. Worldwide perks. With Gate City Bank, you’ll love extra benefits like early paydays, custom debit cards and more!

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
Help Me Choose
Features Totally Free1 Checking Benefit Interest Checking Premium Interest Checking BankOn Checking
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 ATMs2 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 Paydays3 Included. Included. Included. Included.
Overdraft Protection Options Included. Included. Included. Included.
Account Details Account Details Account Details Account Details

Have something else in mind? You can explore our business checking options, too!

excited young woman checks smartphone after opening a checking reserve line of credit at Gate City Bank

Byeeeeee, Overdraft Fees!

We get that life comes with surprise expenses, which may lead to unexpected overdraft fees. With alternatives like our checking reserve line of credit, Savings Link and our BankOn checking account, we’ve got options to help keep you covered.

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Happy Gen Z woman in tortoiseshell glasses, looking at a tablet and opening a free checking account with her boyfriend

Totally Free Checking

No minimum balance. No monthly service charge. No problem. Discover all of the perks of Totally Free Checking – perfect for students!

Curly-haired woman smiling and sipping coffee after opening a Benefit Interest Checking account in Bismarck, ND

Benefit Interest Checking

Want to earn interest just by having a checking account? Gate City Bank’s Benefit Interest Checking account may be the perfect option for you!

Smiling silver-haired man in glasses, checking his high interest checking account balance on his laptop at home in Fargo, ND

Premium Interest Checking

Earn a higher interest rate simply by maintaining a higher balance with Gate City Bank’s Premium Interest Checking account!

happy woman enjoys no overdrafts while using pink phone and headphones

BankOn Checking

Struggle with keeping track of your balance? Our BankOn Checking account may be the perfect solution. Your account will never be overdrawn, so you can say goodbye to unexpected fees.

“Opening my account was easy, and it took less than 15 minutes. I also got my debit card on the spot! The employees are always friendly. The app is great for checking my balance and moving money around, too.”
Close-up of Gate City Bank debit card being handed to a customer instantly at the bank’s location in downtown Grand Forks, ND
Abdirisaq S.
Grand Forks, ND

1 No maintenance or activity fees. Other fees, including overdraft fees, may apply. Please see our Schedule of Fees for details.

2 Effective January 1, 2025: Enjoy free access at any Gate City Bank ATM, as well as at over 85,000 MoneyPass® and Allpoint® operated ATMs worldwide. Personal account customers can receive up to $250 in automatic fee refunds at out-of-network ATMs per year. Please see our Schedule of Fees for details.

3 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.