Gate City Bank Premium Interest Checking Account
in Checking Accounts from Gate City Bank · Member fdic
UnaffiliatedGate City Bank Premium Interest Checking Account
in Checking Accounts from Gate City Bank · Member FDIC
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| Monthly Fee | $8 |
| ATM Fee: Out-of-Network | $0 |
| Minimum Balance to Avoid Monthly Fee | $1,000 |
| APY (Annual Percentage Yield) | 0.01% - 0.02% |
Gate City Bank Premium Interest Checking Account Review
Gate City Bank Premium Interest Checking Account is offered by Gate City Bank, a bank founded in 1923 and based in Fargo, ND. Gate City Bank Premium Interest Checking Account is available in 2 states across the USA.
- Low APY. The maximum annual percentage yield for this account is only 0.02%, and you must keep a minimum balance of $0.01.
- Charges a monthly fee. This account charges a monthly maintenance fee of $8, but the fee is waived if you keep a minimum balance of $1,000.
- $50 minimum deposit. This is a typical minimum initial deposit, but there are accounts that require a smaller initial deposit or have no minimum.
- ATM fee reimbursements. This account will reimburse you for the ATM fees charged by other financial institutions.
- Free bill pay. Pay your bills to practically anyone in the United States through Gate City Bank.
- Hard credit pull. Gate City Bank may require a hard pull on your credit report to open a checking account.
| Pros | Cons |
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Are checking accounts from Gate City Bank federally insured?
Yes, your Gate City Bank checking accounts are insured up to $250,000 per person by the Federal Deposit Insurance Corporation (FDIC #27774). 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 Premium Interest Checking Account offer?
Gate City Bank Premium Interest Checking Account offers an APY starting at 0.01% and ranging up to 0.02% (APY stands for annual percentage yield, rates may change). However, to earn interest you must keep a minimum balance of $0.01.
| Rates | Amount |
|---|---|
| APY (Annualized Percentage Yield) | 0.01% - 0.02% |
What are the account minimums for Gate City Bank Premium Interest Checking Account?
Gate City Bank Premium Interest Checking Account requires a minimum initial deposit of $50 to open an account.
| Description | Amount |
|---|---|
| Minimum Initial Deposit | $50 |
| APY Minimum Balance | $0.01 |
| Minimum Balance to Avoid Monthly Fee | $1,000 |
What fees does Gate City Bank Premium Interest Checking Account charge?
The good news is that this account does not have a monthly service charge.
| Description | |
|---|---|
| Monthly Fee | $8 |
| Paper Statement Fee | N/A |
| ATM Fee: In-Network | $0 |
| ATM Fee: Out-of-Network | $0 |
| NSF Fee | $32 |
| Overdraft Protection Fee (per transfer) | N/A |
| Overdraft Item Fee | $32 |
| Early Account Closure | N/A |
| Returned Deposit Fee (Domestic) | $13 |
| Debit Card Replacement Fee | N/A |
| Bank Teller Fee | N/A |
| Check Cashing Fee | N/A |
| Online Bill Pay Fee | $0 |
| Stop Payment Fee | $27 |
| Check Image Service | N/A |
| Check Copy | N/A |
| Foreign Transaction Fee (Debit Card) | N/A |
| Wire Transfer Fee - Domestic (Outgoing) | N/A |
| Wire Transfer Fee - International (Outgoing) | N/A |
| Wire Transfer Fee - International (Incoming) | $22 |
| Returned Deposit Fee (International) | $13 |
| Wire Transfer Fee - Domestic (Incoming) | $10 |
| ATM Reimbursement Monthly Limit | N/A |
What features and perks does Gate City Bank Premium Interest Checking Account offer?
This account includes the following features:
- ATM reimbursement - This account will reimburse you for the ATM fees charged by other networks.
- Fraud monitoring - Gate City Bank Premium Interest Checking Account monitors transactions for potentially fraudulent activity, such as when a debit card is unexpectedly used in a different location or you make a sudden string of costly purchases.
- Free Bill Pay - Bill Pay allows you to pay bills easily from your account.
- Mobile Banking Services - Gate City Bank Premium Interest Checking Account allows you to manage your money online. This includes depositing checks in your account with your smartphone.
- Nationwide ATM network - Conveniently transact at a nearby ATM.
Contact
- Headquarters
-
P.O. Box 2847
Fargo, ND 58108 - (800) 423-3344
- Visit Site
Other Services by Gate City Bank
Availability
- Minnesota
- North Dakota
Feature Breakdown
| APY Minimum Balance | $0.01 |
| Minimum Initial Deposit | $50 |
| Minimum Balance to Avoid Monthly Fee | $1,000 |
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