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  Gate City Bank Totally Free Checking Account
Gate City Bank Totally Free Checking Account
in Checking Accounts from Gate City Bank · Member FDIC
Unaffiliated

Gate City Bank Totally Free Checking Account

Unaffiliated
in Checking Accounts from Gate City Bank · Member FDIC
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Highlights
Cashback Rewards N/A
APY (Annual Percentage Yield) 0%
Monthly Fee $0
Minimum Balance to Avoid Monthly Fee N/A

Gate City Bank Totally Free Checking Account Review

Gate City Bank Totally Free Checking Account is offered by Gate City Bank, a bank founded in 1923 and based in Fargo, ND. Gate City Bank Totally Free Checking Account is available in 2 states across the USA.

Key Takeaways

  • 0% APY. As with most checking accounts, Gate City Bank Totally Free Checking Account does not pay interest.
  • $0 monthly fee. This account does not charge any monthly account fees.
  • Bill pay. Pay your bills to practically anyone in the United States through Gate City Bank.

Gate City Bank checking account Pros & Cons

Pros Cons
  • Access to physical branches.
  • Free debit card and the option to lock/unlock the card if lost or stolen
  • No signup bonus.
  • Does not earn interest
  • Does not provide access to a nationwide ATM network.
  • Only available in 2 states.
  • Charges a fee on out-of-network ATM transactions.

Gate City Bank checking account FAQ

Are checking accounts from Gate City Bank federally insured?

Yes, your deposits 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 checking account offer?

Gate City Bank checking account is not an interest-bearing account.

What are the account minimums for Gate City Bank checking account?

Gate City Bank checking account requires a minimum initial deposit of $50 to open an account.

Gate City Bank Totally Free Checking Account Minimums
Description
Minimum Opening Deposit Starting at $50

What fees does Gate City Bank checking account charge?

The good news is that this account does not have a monthly Service Charge.

Gate City Bank Totally Free Checking Account Fees
Description
Monthly Fee $0
ATM Fee: In-Network $0
ATM Fee: Out-of-Network Starting at $1
NSF Fee $32
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
Online Bill Pay Fee $0

Does Gate City Bank checking account charge overdraft fees?

Yes, Gate City Bank checking account charges a $32 fee for every overdraft.

What features and perks does Gate City Bank checking account offer?

This account includes the following features:

  • Fraud monitoring - Gate City Bank 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 checking account allows you to manage your money online or with a mobile app. This includes depositing checks in your account with a mobile app on your smartphone.

What is the customer support email for Gate City Bank checking account?

The customer support email for Gate City Bank checking account is socialmedia@gatecity.bank.

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Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Message From Gate City Bank checking account

At Gate City Bank, we’re here to help make your life easier and better, which is why we offer a variety of account options to fit your lifestyle. Try our Account Chooser to find out which account is right for you!

You have enough worries on your plate. Opening the right checking account shouldn’t be one of them! Our simple Totally FREE* Checking account is one of the best decisions you’ll ever make. This is a great account for all ages. No fees, no minimum balance, FREE ATMs – and great for students! 

Availability

  Available in 2 states
  • Minnesota
  • North Dakota

Feature Breakdown

Minimum Opening Deposit Starting at $50
Monthly Fee $0
ATM Fee: In-Network $0
ATM Fee: Out-of-Network Starting at $1
NSF Fee $32
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
Online Bill Pay Fee $0
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Verification Documents Required
  • Driver License (or other photo ID)
  • Proof of Identity
  • Government Issued Photo ID
  • Social Security Number
Account Features
  • Free Bill Pay
  • Mobile Check Deposit
  • No Monthly Maintenance Fee
  • Mobile Banking
  • Fraud Monitoring
  • Debit Card Lock/Unlock
  • Fraud Protection
  • Debit Card
  • Branch Access
  • Member FDIC
APY (Annual Percentage Yield) 0%

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