Last Updated: 01/21/2026
Gate City Bank Benefit Interest Checking Account
Unaffiliated
in Checking Accounts from Gate City Bank
Last Updated: 01/21/2026
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Highlights
Welcome Offer
N/A(Verified 09/28/2022)
Cashback Rewards
N/A
APY (Annual Percentage Yield)
0.01%(Verified 06/21/2024)
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Monthly Service Fee
$0(Verified 01/21/2026)
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Gate City Bank Benefit Interest Checking Account Review
The Gate City Bank Benefit Interest Checking Account is offered by Gate City Bank, a bank founded in 1923 and based in Fargo, ND. Gate City Bank Benefit Interest Checking Account is available in 2 states.
Key Takeaways
- Low annual percentage yield (APY). The maximum annual percentage yield for this account is only 0.01% .
- No monthly maintenance fees. This account does not charge any monthly account fees.
- No ATM fees. Gate City Bank Benefit Interest Checking Account does not charge fees on ATM transactions .
- ATM fee rebates. This account will reimburse you for ATM fees (see terms and conditions for details).
- Bill pay. Pay your bills to practically anyone in the United States when you enroll in Gate City Bank mobile or online banking.
Gate City Bank Benefit Interest Checking Account Pros & Cons
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Gate City Bank Benefit Interest Checking Account FAQ
Are checking accounts from Gate City Bank federally insured?
Yes, your deposits are insured by the Federal Deposit Insurance Corporation (FDIC). The FDIC is an independent agency of the United States government that protects you against the loss of your insured deposits if an FDIC-insured bank or savings association fails. FDIC insurance is backed by the full faith and credit of the United States government.
What APY does Gate City Bank Benefit Interest Checking Account offer?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| APY (Annual Percentage Yield) | 0.01% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Gate City Bank Benefit Interest Checking Account offers an APY of 0.01% (APY stands for annual percentage yield, rates may change). However, to earn interest, account holders must keep an average beginning day balance of $50.
What are the account minimums for Gate City Bank Benefit Interest Checking Account?
Gate City Bank Benefit Interest Checking Account requires a minimum initial deposit of $50.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Balance to Earn APY | $50 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Opening Deposit | Starting at $50 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
What fees does Gate City Bank Benefit Interest Checking Account charge?
The good news is that this account does not have a monthly Service Charge.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Monthly Service Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| ATM Fee: In-Network | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| ATM Fee: Out-of-Network (within the U.S.) | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| NSF Fee | $32 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Overdraft Item Fee | Starting at $32 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Deposit Fee (Domestic) | Starting at $13 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Online Bill Pay Fee | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Stop Payment Fee | Starting at $27 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Wire Transfer Fee - International (Incoming) | Starting at $22 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Deposit Fee (International) | Starting at $13 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Wire Transfer Fee - US Domestic (Incoming) | Starting at $10 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does Gate City Bank Benefit Interest Checking Account charge overdraft fees?
Yes, Gate City Bank Benefit Interest Checking Account charges a $32 fee for every overdraft.What features and perks does Gate City Bank Benefit Interest Checking Account offer?
This account includes the following features:
- ATM rebates - This account will reimburse you for domestic ATM fees .
- Fraud monitoring - Gate City Bank Benefit Interest Checking Account monitors transactions for potentially unauthorized activity, such as when a debit card is unexpectedly used in a different location or you make a sudden string of costly purchases.
- Online Bill Pay - Online Bill Pay allows you to pay bills easily from your account.
- Mobile Banking Services - Gate City Bank Benefit Interest Checking Account allows you to manage your money online or with a mobile app. This includes depositing checks1 in your account with a mobile app on your smartphone.
- Nationwide ATM network - Conveniently transact at a nearby ATM.
What is the customer support email for Gate City Bank Benefit Interest Checking Account?
The customer support email for Gate City Bank Benefit Interest Checking Account is socialmedia@gatecity.bank.
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Message from Gate City Bank Benefit Interest Checking Account
Hours of Operation
Sunday
Closed
Monday
7:00AM - 10:00PM
Tuesday
7:00AM - 10:00PM
Wednesday
7:00AM - 10:00PM
Thursday
7:00AM - 10:00PM
Friday
7:00AM - 10:00PM
Saturday
Invalid DateTime - 6:00PM