Personal

Accounts

We have five great personal checking accounts. Open any account with a minimum deposit of only $50, and you will receive:

• FREE ATMs - fees are automatically refunded without the hassle of saving receipts!
• FREE Online Banking including FREE Online Statements and check images for up to seven years
• FREE Online Bill Pay
• FREE Mobile Banking¹
• FREE ATM and Check Cards
• FREE Gift when you open your account and each time you Tell-A-Friend and they open a checking account
• FREE Money for your checks and check cards from your old bank - up to $25
• FREE return of check images
• No per-check charge
• Unlimited check writing 

Click here to find the best checking account for you.

Totally FREE Checking

A FREE account for everyone!

• No minimum balance
• No monthly service charge

Apply Now

Benefit Interest Checking

• FREE checks
• No minimum balance
• No monthly service charge
• Premium rates on Relationship CDs
• Competitive interest rate

This account is definitely a better way of life if you have direct deposit or an external recurring automatic payment², and if you have any two of the following at Gate City Bank:

• Mortgage Loan
• Personal Loan
• ATM & Check Card
• Money Market Savings Account
• Savings Account
• Certificates of Deposit

Apply Now

50+ FREE Interest Checking

FREE for customers 50 and over!

• FREE checks when you maintain a $5,000 minimum balance in a Gate City Bank Certificate of Deposit
• No minimum balance
• No monthly service charge
• Competitive interest rate

Apply Now

VIP FREE Interest Checking

• No minimum balance
• No monthly service charge
• Competitive interest rate

VIP Interest Checking is an exceptional option if you have any of the following:

• Any recurring automatic payment, including anAutomatic Loan Payment Plan
• Direct deposit  

Apply Now

Premium Interest Checking

If you have extra cash, we have extra interest.

• Premium interest earned with a daily $2,500 minimum balance
• Interest bearing if the balance falls below $2,500
• There is a minimal $8/month fee if your balance slips below $1,000.

Apply Now

¹Remember that Gate City Bank offers Mobile Banking as a free service for our customers; however, your mobile phone service provider may charge fees for the Internet access necessary to use Mobile Banking.

²For example: phone bill, utility bill, gym memberships, etc.