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From free rewards to free checks, welcome to a better interest checking account with more perks – without any minimum balance.
Our most popular option, a Benefit Interest Checking account can be all yours if you have two or more of the following: direct deposit, external recurring automatic payments, savings account, loan with automatic payments or certificate of deposit (CD).
Once you open a Benefit Interest Checking account with us, you’ll automatically qualify for an additional perk! Say hello to our premium relationship CD rate.
| Interest Rate | Annual Percentage Yield (APY) | Minimum Balance to Open | Minimum to Earn APY |
|---|---|---|---|
| Interest Rate0.01% | Annual Percentage Yield (APY)0.01% | Minimum Balance to Open$50 | Minimum to Earn APY$0.01 |
| 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 |
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| Free ATMs3 |
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| Debit Card Rewards |
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| Free Custom Debit Card Designs |
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| Free Checks |
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| Early Paydays4 |
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| Overdraft Protection Options |
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| Learn more. | Account Details | Account Details | Account Details | Account Details |
Earn a higher interest rate simply by maintaining a higher balance with Gate City Bank’s Premium Interest Checking account!
Looking for a savings account with a higher interest rate? Our user-friendly money market savings option features no fees, a great interest rate and a modest minimum balance.
With competitive rates and varying term options, our CDs are perfect for any life stage. Earn competitive rates easily when you open a CD with Gate City Bank!
Working toward a financially secure future? Our IRA accounts can help you save to be secure in retirement!
1 No maintenance or activity fees. Other fees, including overdraft fees, may apply. Please see our Schedule of Fees for details.
2 Maintain the minimum daily balance to maintain the disclosed annual percentage yield (APY). For a high yield savings account, if the balance falls below $50,000, interest rate and APY will adjust to the lower yield. The interest rate and APY are accurate as of the effective date shown above only, and are subject to change without notice, at Gate City Bank's discretion. Fees, including service fees, may apply and could reduce earnings on the account. See our Schedule of Fees for details.
3 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.
4 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.
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