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More interest. More perks. Let your dollars do the work with a high interest checking account, featuring our best checking rates, debit card rewards and more.
Getting rewarded has never been easier! Our Premium Interest Checking account includes three different tiers tailored exclusively for you. The higher your daily balance, the higher your rate! Plus, enjoy extra perks, such as debit card rewards, custom debit cards and more.
| Interest Rate | Annual Percentage Yield (APY) | Minimum Balance to Open | Minimum to Earn APY |
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| Interest Rate0.05% | Annual Percentage Yield (APY)0.05% | Minimum Balance to Open$50 | Minimum to Earn APY$0.01 - $4,999.99 |
| Interest Rate0.35% | Annual Percentage Yield (APY)0.35% | Minimum Balance to Open$50 | Minimum to Earn APY$5,000 - $24,999.99 |
| Interest Rate0.50% | Annual Percentage Yield (APY)0.50% | Minimum Balance to Open$50 | Minimum to Earn APY$25,000 |
| $720 annual value!** | ||||
|---|---|---|---|---|
| Preferred Perks2 Checking | Premium Interest Checking | Totally Free3 Checking | BankOn Checking | |
| Open My Account | Open My Account | Open My Account | ||
| ATM Fee Refunds | Up to $250 annually | Up to $250 annually | Up to $150 annually | Up to $150 annually |
| IDProtect® – Identity Theft Monitoring4 and Credit File Monitoring* |
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| 24/7 Telehealth*5 |
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| eVets*6 |
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| Health Discount Savings* |
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| Debit Card Rewards |
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| Paydays up to 2 Days Early7 |
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| Earns Interest |
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| Welcome Gift |
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| Minimum to Open | $50 | $50 | $50 | $25 |
| Monthly Service Charge | $4.95 if minimum daily balance falls below $5,000 | $10 if minimum daily balance falls below $5,000 | None | $5 for customers age 24+ |
| Overdraft Protection Options |
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| Learn more. | Account Details | Account Details | Account Details | Account Details |
(By the way, we offer business checking, too!)
Save big. Breathe easy. Put your savings to work with our high yield savings account, featuring our best interest rates with no monthly fees.
Looking for a savings account with a higher interest rate? Our user-friendly money market savings option features a great interest rate and a modest minimum balance.
Whether it’s saving for college, financial investments, retirement or anything in between, easily plan for your future with the helpful advisors at Gate City Investment Services!
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!
1 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.
2 Available to individuals ages 18 or older upon approval of account opening. Access to features may be subject to additional terms and conditions and is subject to change.
3 No maintenance or activity fees. Other fees, including overdraft fees, may apply. Please see our Schedule of Fees for details.
4 Benefits are available to personal checking account owner(s) and joint account owners subject to the terms and conditions for the applicable Benefits. Some Benefits require authentication, registration and/ or activation. Benefits are not available to a “signer” on the account who is not an account owner or to businesses, clubs, trusts, organizations and/or churches and their members, or schools and their employees/students.
5 Available for the primary account holder and their spouse/domestic partner and up to six dependent children age 2 and older. This is not insurance.
6 Medications may only be prescribed where allowed by law. In certain states, a Veterinary-Client-Patient-Relationship (VCPR) must be established to diagnose and treat patients through eVets, and only advice and virtual veterinary triage may be provided without a VCPR.
7 Your direct deposit will generally be accessible the same day we receive it, up to two days early.
** Estimated value based on approximate monthly costs or savings for similar marketplace benefits and subject to change. Benefits and features may vary and may not necessarily reflect the exact features offered through Preferred Perks Checking Account. No cash value is implied with the use of this account or any of its features.
* Registration/activation required.
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