What can we help you find?
Not always in touch with your daily account balance? We get that. We’ve worked to create a new offer: our simple BankOn Checking account. This account may keep you from accidentally overspending your account.
Whether it’s the unplanned gas fill-up or the forgotten bill, we know life happens! With a low-cost BankOn checking account, there are no overdraft fees – which may be the perfect option for you. In the event your checking account doesn’t have sufficient funds, you may prefer to simply have a transaction declined and avoid any overdraft fees.
Say goodbye to overdraft fees and hello to your new account – all at a low monthly service charge. To explore if this account makes sense for you, call 701-293-2400 or 800-423-3344, or visit any of our convenient locations.
When it comes to better checking, we make it easy to choose the best match for you. Try out our helpful comparison tool to learn which option is the best fit:
| Features | Totally Free1 Checking | Benefit Interest Checking | Premium Interest Checking | BankOn Checking |
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| 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 ATMs2 |
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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 Paydays3 |
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| Overdraft Protection Options |
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| Learn more. | Account Details | Account Details | Account Details | Account Details |
Gerald – Wahpeton, ND
Sebastijan – Fargo,ND
Balancing your checkbook doesn’t have to be a pain! Our user-friendly calculator makes the process simple.
Master your money with our helpful educational resources! Learn about everything from opening your first checking account to planning for retirement.
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.
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