Personal Checking Accounts

From Gulf Coast Bank & Trust Company With Locations Across Metro New Orleans & Baton Rouge

We’re the bank that cares about you which means we give you lots of options for your personal checking accounts!

Gulf Coast Bank & Trust offers you a variety of personal checking options to meet your unique personal finance needs.

From free checking accounts to interest-bearing checking accounts, rewards-earning checking accounts, educator accounts, student accounts, and more – there’s a Gulf Coast Bank & Trust checking account for your needs.

Plus, all of our checking account options offer you the use of the secure Gulf Coast Bank & Trust Debit Card MasterCard®. This handy card gives you added peace of mind when you shop thanks to its comprehensive security features and smart banking technology.

You are also eligible for   FREE digital banking options with our convenient & secure digital & mobile banking services.

Browse our variety of checking account solutions below and reach out to an account specialist if you have any questions!

If you’re interested in opening a Gulf Coast Bank & Trust checking account, simply apply online or visit your local branch today.

Coming over to the Gulf Bank & Trust family? We also make switching banks EASY! We offer the Gulf Coast Bank Switch Kit to help you effortlessly keep track of all the information you’ll need when you switch to our bank.

 

  • Free Checking Accounts

    The best things in life are free.

    Our FREE Checking Account has NO monthly service cycle fee and NO minimum balance required.

    Visit your local branch to open up your Free Checking Account.

    Service Features
    Smart Banking Technologies: Free Digital Banking, Bill Pay, and Mobile Deposit^
    Free eStatements*

    Debit MasterCard®

    Add an additional layer of protection with our CardControl App
    Free access to Gulf Coast Bank ATMs & ATMs in the Community Cash Network
    Fees
    No Monthly Service Cycle Fee
    No Minimum Balance Required

    Important Disclosures

    *Enrollment in eStatements is required for a Free Checking Account. If you do not enroll in eStatements within 30 days of account opening, the account will be converted to an Easy Checking Account. Upon conversion, you will begin receiving paper statements and you may be charged a $4.85 monthly paper statement fee unless you meet certain qualifiers. Visit our Easy Checking page to learn more. 

    ^Gulf Coast Bank does not charge a fee for using Mobile Banking, Mobile Deposit, or Alerts. Message and data rates may apply. Please check with your service provider for specifics on any fees and service charges. 

    Click links above for product or service specific details. 

  • Rewards Checking Accounts

    REWARD yourself with our Rewards Checking Account.

    This account allows you to earn reward points each time you use your Gulf Coast Bank debit card. You can redeem these rewards for merchandise, gift cards, and even vacation getaways!

    Get all the information you need to know about this option below.

     Visit your local branch to open up your Rewards Checking Account.

    Service Features

    Earn Reward Points when you use your Debit MasterCard® 

    Smart Banking Technologies: Free Digital Banking, Bill Pay, and Mobile Deposit^
    Free eStatements

    Debit MasterCard®

    Add an additional layer of protection with our CardControl App
    Free access to Gulf Coast Bank ATMs & ATMs in the Community Cash Network
    Fees
    $9.95 monthly service cycle charge fee waived if one of the following is met: Average month to date balance of $5,000 or greater OR Average month to date balance of $25,000 or greater in qualifying deposits
    $4.85 monthly paper statement fee waived if one of the following is met: Average month to date balance of $5000 or greater OR Average month to date balance of $25,000 or greater in qualifying deposits OR Account is set up for eStatements.

    Important Disclosures

    ^Gulf Coast Bank does not charge a fee for using Mobile Banking, Mobile Deposit, or Alerts. Message and data rates may apply. Please check with your service provider for specifics on any fees and service charges. 

    Click links above for product or service specific details. 

  • Interest Checking Accounts

    This checking account is one that works for YOU!

    Our Interest Checking Account allows you to earn interest on your entire balance! And when you meet the two qualifications stated below, as an added benefit, you’ll earn a higher interest yield as well as a refund of your ATM fees* up to $25.00 in each cycle.

    Qualifications:

    • Have at least 12 Gulf Coast Bank & Trust issued debit card transactions post and settle during your monthly qualification cycle.
    • Have at least one Automatic Payment (ACH), Direct Deposit, or GCB Bill Pay post and settle during your monthly qualification cycle

     

    Interest Earned: 

    • If qualifications are met during each monthly qualification cycle: 
      • On balances up to $20,000, earn 0.55% APY**  
      • On balances $20,000 and over, APY will range from 0.50% to 0.55% APY** depending on the balance in the account 
    • If qualifications are not met: 
      • 0.05% APY** on entire balance  

     

    Enjoy Added Benefits: 

     

    Apply Online

    Or visit your local branch to open up your Interest Checking Account.

    Service Features

    Earn interest on entire balance 

    ATM fees* are refunded up to $25.00 each cycle when qualifications are met 
    Interest credited each statement cycle, Interest checking qualification calendar 
    Fees
    No Monthly Service Cycle Fee 

    No Minimum Balance Required

    $4.85 monthly paper statement fee waived if one of the following is met: Average month to date balance of $5000 or greater OR Average month to date balance of $25,000 or greater in qualifying deposits OR Account is set up for eStatements.

    Important Disclosures

    **APY=Annual Percentage Yield. APYs are current as of today's date. Rates may change at any time. Minimum to open is $20.00. If qualifications are met during each monthly qualification cycle, balances up to $20,000 receive 0.55% APY and balances over $20,000 earn 0.50% APY interest rate on portion of balance over $20,000, resulting in 0.50% to 0.55% APY depending on the balance. If qualifications are not met, all balances earn 0.05% APY. 

    *ATM transactions, including debit card transactions processed by merchants and received by the bank as ATM transactions , refunds for Point of Sale purchases, and internal transfers do not count towards qualifying debit card transactions for purposes of earning a higher Annual Percentage yield and ATM refunds within the Interest Checking Account. Only debit card transactions processed by merchants and received by the bank as POS ( Point of Sale) transactions count towards qualifying debit card transactions. ATM fees will be refunded to your account each cycle that qualifications are met; up to a limit of $25.00 per qualification cycle.  ATM fees will not be refunded for each cycle qualifications are not met. No minimum balance requirement or monthly service charge. Available for Personal Accounts only. Limit one account per Social Security number. See banker for complete details. 

    ^Gulf Coast Bank does not charge a fee for using Mobile Banking, Mobile Deposit, or Alerts. Message and data rates may apply. Please check with your service provider for specifics on any fees and service charges.

    Click links above for product or service specific details.

  • Easy Checking Accounts

    Take the easy way out. Our Easy Checking Account is a basic checking account to meet your everyday banking needs, from bill-paying to purchases. Be sure to learn about our Easy Student Checking Accounts below!

    Apply Online

    Or visit your local branch to open up your Easy Checking Account.

    Service Features
    Smart Banking Technologies: Free Digital Banking, Bill Pay, and Mobile Deposit^
    Free eStatements

    Debit MasterCard®

    Add an additional layer of protection with our CardControl App

    Free access to Gulf Coast Bank ATMs & ATMs in the Community Cash Network
    Fees
    No Monthly Service Cycle Fee 

    No Minimum Balance Required

    $4.85 monthly paper statement fee waived if one of the following is met: Average month to date balance of $5000 or greater OR Average month to date balance of $25,000 or greater in qualifying deposits OR Account is set up for eStatements.

    Important Disclosures

    ^Gulf Coast Bank does not charge a fee for using Mobile Banking, Mobile Deposit, or Alerts. Message and data rates may apply. Please check with your service provider for specifics on any fees and service charges. 

    Click links above for product or service specific details.

  • Educator Plus Checking Accounts

    A perk for our hardworking teachers & administrators! Our Educator Plus Checking Account is designed for individuals employed by learning institutions in Louisiana or Mississippi.

     Account holders can earn interest and rewards every time you use your Gulf Bank MasterCard® debit card!

    This account option also includes a variety of discounts and perks  including discounts on:

    • Loans for PC, laptop, and technology purchases 
    • Mortgage Administration Fee, visit our Home Loans page to get started! 
    • AnyTime Fitness membership, participating locations only 
    • Enterprise Rent-A-Car 
    • Credit Card Rate and Fees

     

    Additional Perks: 

    Visit a Branch To Apply

     

    Service Features
    No minimum balance required to earn interest. Interest earned is tiered, allowing you to earn higher rates on higher balances. 

    Earn Reward Points when you use your Debit MasterCard®

    Add an additional layer of protection with our CardControl App

    Smart Banking Technologies: Free Digital Banking, Bill Pay, and Mobile Deposit^
    Free eStatements
    Free access to Gulf Coast Bank ATMs & ATMs in the Community Cash Network
    Fees
    $100 minimum opening deposit 
    No monthly service charge
    $4.85 monthly paper statement fee waived if one of the following is met: Average month to date balance of $5000 or greater OR Average month to date balance of $25,000 or greater in qualifying deposits OR Account is set up for eStatements.

    Important Disclosures

    ^Gulf Coast Bank does not charge a fee for using Mobile Banking, Mobile Deposit, or Alerts. Message and data rates may apply. Please check with your service provider for specifics on any fees and service charges. 

    Click links above for product or service specific details.

  • Select Checking Accounts

    Interested in extra perks & benefits?

    Of course you are!

    Our Select Checking Account is designed for select banking clients of Gulf Coast Bank & Trust. Eligible account holders can receive a variety of benefits, discounts and perks.

    Select Checking Account Eligibility Requirements

    • Individuals who maintain: 
      • $250,000 in Gulf Coast Bank qualifying personal deposit accounts OR 
      • $500,000 in Gulf Coast Bank qualifying personal deposit accounts & qualifying business deposits OR 
      • $500,000 in Gulf Coast Bank qualifying personal deposits & investments dollars with GCB Wealth Management 

    Please see Select Checking Truth In Savings Disclosure for qualifying accounts.

    Discounts Available: 


    Available Perks: 

    To learn more and to apply for this type of account, please call 504-412-2041 or schedule an appointment with a Gulf Coast Bank private banker today.


    Call Us Today

    Service Features
    Earn interest on your entire balance. Interest earned is tiered, calculated daily and paid monthly.

    Specially Designed Select Banking Debit MasterCard®

    Add an additional layer of protection with our CardControl App

    Free Gulf Coast Bank Select checks
    Smart Banking Technologies: Free Digital Banking, Bill Pay, and Mobile Deposit**
    Fees
    $1,000 minimum opening deposit 
    NO FEES FOR: Monthly Service Charge, Foreign Currency, Cashier’s Checks, Wires, & Stop Payments
    ATM fee reimbursements each statement cycle.
    Free eStatements or Free Paper Statements

    Important Disclosures

    ^If total prior end of month current month to date balances in qualifying accounts or investments do not meet the GCB Select Banking account customer eligibility requirements for three consecutive months, Gulf Coast Bank will convert your Select Checking Account to an Interest Checking Account and all of the terms and conditions of the Interest Checking Account will apply. See Interest Checking Disclosure for complete details.  

    *To be eligible for the SELECT Banking loan benefits, a customer must meet one or more of the minimum balance requirements listed below: 

          $250,000 in GCB qualifying personal/consumer deposit accounts or 

          $500,000 in GCB qualifying personal/consumer deposit accounts and qualifying commercial deposits or 

          $500,000 in GCB qualifying personal/consumer deposits and investment dollars with GCB Wealth Management 

    **Gulf Coast Bank does not charge a fee for using Mobile Banking, Mobile Deposit, or Alerts. Message and data rates may apply. Please check with your service provider for specifics on any fees and service charges. 

    Click links above for product or service specific details.

  • Easy Student Checking Accounts

    It’s the perfect first checking account! With no minimum balance and convenient digital banking services, our Easy Student Checking Account is ideal for all students, ages 15 through 18. This is a great way to learn the importance of managing money.

    Visit your local branch to open up an Easy Student Checking Account.

    Service Features
    Smart Banking Technologies: Free Digital Banking, Bill Pay, and Mobile Deposit^
    Free eStatements

    Debit MasterCard®

    Add an additional layer of protection with our CardControl App

    Free access to Gulf Coast Bank ATMs & ATMs in the Community Cash Network
    Fees
    No Monthly Service Cycle Fee
    No Minimum Balance Required
    $4.85 Paper Statement Fee. Monthly paper statement fee waived if one of the following is met: Average month to date balance of $5000 or greater OR average month to date balance of $25,000 or greater in qualifying deposits OR Account is set up for eStatements

    Important Disclosures

    Minor must be 15 up to age 18 in order to have signing authority on Easy Student Checking. Parent or legal guardian must be a joint owner. 

    ^Gulf Coast Bank does not charge a fee for using Mobile Banking, Mobile Deposit, or Alerts. Message and data rates may apply. Please check with your service provider for specifics on any fees and service charges. 

    *Joint owner must authorize minor to obtain a Debit Card. 

    Click links above for product or service specific details.