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%.
- 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.
- 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.
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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 (Annual 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 Opening 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 | |
|---|---|
| ATM Fee: In-Network | $0 |
| Monthly Fee | $8 |
| NSF Fee | $32 |
| Online Bill Pay Fee | $0 |
| Overdraft Item Fee | $32 |
| Returned Deposit Fee (Domestic) | $13 |
| Returned Deposit Fee (International) | $13 |
| Stop Payment Fee | $27 |
| Wire Transfer Fee - Domestic (Incoming) | $10 |
| Wire Transfer Fee - International (Incoming) | $22 |
| ATM Fee: Out-of-Network | $0 |
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
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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 Opening Deposit | Starting at $50 |
| Minimum Balance to Avoid Monthly Fee | $1,000 |
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