Compare Gateway’s personal checking accounts
See all of our personal checking accounts side by side, then browse through frequently asked questions below to choose the right one for you.
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Checking
Savings and Money Market
CDs and Retirement Accounts
Loans
Health Savings Accounts
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| Basic Checking | Advantage Checking | Service First Checking | Prime Checking |
|
|---|---|---|---|---|
Perfect for | People who just want the basics. | People who want to earn a little extra money. | Educators and public safety professionals. | Seniors 55 and older. |
Minimum opening deposit | $100 | $100 | $100 | $100 |
Minimum balance required to avoid service charge | No minimum balance requirement. | No minimum balance requirement. | No minimum balance requirement. | No minimum balance requirement. |
Monthly charge if your account goes below the minimum | N/A, no minimum balance. | N/A, no minimum balance. | N/A, no minimum balance. | N/A, no minimum balance. |
Earns interest | No | Yes | No | No |
Free online banking | Yes | Yes | Yes | Yes |
Free online bill pay | Yes | Yes | Yes | Yes |
Free Visa debit card | Yes | Yes | Yes | Yes |
Additional benefits | Unlimited check writing, itemized monthly statements, and introductory package of 30 single checks. | Unlimited check writing, itemized monthly statements with image copy of checks, and introductory package of 30 single checks. | Two waived overdrafts per year, free money orders and cashier’s checks, free fax services, free stop payments, unlimited check writing, free single paper checks, and preferential rates on certificates of deposit. | Free money orders and cashier’s checks, free fax services, discounted stop payment fee of $10.00, unlimited checking writing, and free single paper checks. |
Important notes | Cancelled checks are not returned with your statement, but copies are available upon request. | Interest will be compounded and credited monthly. | Five free check photocopies are provided each month upon request. | Five free check photocopies are provided each month upon request. |
Frequently asked questions
There is no minimum balance requirement for any checking or savings accounts. Money market accounts require a minimum balance of $1,000. If your account goes below that limit, the fee is $10/month.
We’re always transparent with pricing – no hidden fees here. You can find Gateway’s fee schedule for additional transactions and services. Note that there is no cost for online banking or our mobile app.
Yes, you can sweep from one account to the other to prevent any overdrafts.
Yes there are limits, but our mobile deposit app will still allow deposits to go through. We work each exception behind the scenes. Contact us if you need assistance.
Business banking customers have access to:
- Loans and lines of credit
- Remote Deposit ($45/mo for single feed and $60/mo for multi-feed)
- ACH services / Business Management Solutions ($50/mo)
- Merchant Services (pricing varies)
- Positive Pay check fraud protection (no cost)
Yes. Contact us and we will be happy to help compare your current fees to future potential savings.
Loans are subject to credit approval. All services may be subject to additional terms, conditions, and miscellaneous fees, including but not limited to mobile data charges and internet provider fees.
Interest rates
See the latest interest rates to find out how much your account will earn.
