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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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
NoYesNoNo
Free online banking
YesYesYesYes
Free online bill pay
YesYesYesYes
Free Visa debit card
YesYesYesYes
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

Visit this page for details on opening a checking, savings, or investment account.

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.

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.

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