Important Information:  Welcome to Gates Banking & Trust's New Website!


Checking Accounts decoration

Regular Checking

  • Minimum opening balance: $100.00
  • Unlimited check writing

Maintenance Fees:
Daily Balance Maintenance Fee:
Over $300.00 None
Below $300.00 $ 5.00 per month

Commercial Checking Same As Above

Churches and Civic Groups are Exempt from service charges.



NOW Checking

  • Minimum opening balance: $1,000.00
  • Interest is paid on daily balance
  • Monthly service charge if the daily balance falls below $1,000.00

Mastercard Debit Card

  • Alternative form of accessing checking account
  • Not a Credit Card
  • Monthly fee of $1.00
  • Serves as ATM card
  • Accepted anywhere Mastercard is accepted

If card is lost or stolen call 1-800-264-5578 and choose option 9


Other Checking Account Charges

  • Insufficient funds/paid or returned $15.00 per check
  • Stop payment $10.00 per check
  • Overdraft on third consecutive day $5.00/day
  • Dormant Fee: $10.00 per year if balance falls below $100.00
  • Research Fee $25.00