Gate City Bank Totally Free Checking Account Review
Gate City Bank Totally Free Checking Account is offered by Gate City Bank,
founded in 1923 and based in Fargo, ND.
Gate City Bank Totally Free Checking Account is available in
2 states across the USA.
- 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 a monthly Service Charge.
- Bill pay. Pay your bills to practically anyone in the United States through Gate City Bank.
Gate City Bank checking account 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, this account is 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
|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
|ATM Fee: In-Network
|Online Bill Pay Fee
|Overdraft Item Fee
|Returned Deposit Fee (Domestic)
|Returned Deposit Fee (International)
|Stop Payment Fee
|Wire Transfer Fee - Domestic (Incoming)
|Wire Transfer Fee - International (Incoming)
|ATM Fee: Out-of-Network
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.
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