Personal
Accounts
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Use any ATM for FREE - fees are automatically refunded without the hassle of saving receipts!
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FREE Online Banking including FREE Online Statements and check images for up to seven years
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FREE Online Bill Pay
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FREE Mobile Banking1
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FREE ATM and Check Cards
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FREE Gift when you open your account and each time you Tell-A-Friend and they open a checking account
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FREE Money for your checks and check cards from your old bank - up to $25
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FREE return of check images
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No per-check charge
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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
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 and Check Card
- Money Market Savings Account
- Savings Account
- Certificates of Deposit
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
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 an Automatic Loan Payment Plan
- Direct deposit
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.
1Your service provider's text messaging and web access charges may apply.
2For example: phone bill, utility bill, gym memberships, etc.









