• Personal Checking Solutions

    Various personal checking options to meet your financial needs

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Personal Checking Solutions

Most Popular Checking Accounts

Digital Banking

Interest Checking

  • No minumum balance1
  • No monthly service charge
  • Earn interest on entire balance
  • Refund ATM fees up to $25.00 each cycle4
  • Free Digital Banking2, Credit Score6
  • Debit MasterCard® - Add additional layers of security with CardControl App
Card Solutions

Easy Checking


consumer bonus

Rewards Checking

  • No minumum balance1
  • Waive monthly service charge
  • Earn reward points that go toward redeeming merchandise and gift cards
  • Free Digital Banking2, Credit Score6
  • Debit MasterCard® - Add additional layers of security with CardControl App


From free to interest-bearing checking accounts, and more, there’s a Gulf Coast Bank & Trust checking solution to meet all of your needs


Checking Accounts for Specific Needs

VA Loan

Educator Plus Checking

  • For learning institution employees in LA or MS
  • No minimum balance1
  • No monthly service charge
  • Earn interest and rewards on balance and transactions
  • Eligible discounts on mortgage administration fees, credit card rates, and more
Deposit Solutions

Select Checking

  • For select banking clients of Gulf Coast Bank & Trust
  • No minimum balance1
  • Waive monthly service charge
  • Earn higher interest rate on balance
  • Free Digital Banking2, Credit Score6


Girl with card

Easy Student Checking

  • For all students, ages 15 to 183
  • No minimum balance1
  • No monthly service charge
  • Gulf Coast Bank Debit MasterCard® with joint owner authorization
  • Free Digital Banking2, Credit Score6


Couple in branch

Free Checking



Learn about our Overdraft Protection Services

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Take us everywhere with the Gulf Coast Bank & Trust App

Get 24/7 Account Access With Mobile Banking

  • Check Your Account Balances 
  • Transfer Funds
  • Pay Your Bills
  • Deposit Checks
  • And More...
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Savvy Money



Get Your Credit Score6 and Report!

Get instant access to your credit score, credit report, credit monitoring, and financial education tips on how to improve your score or maintain an already great score. Credit Score is a free service available to you through online and mobile banking, you can get started today!

It's built right into our easy-to-use digital banking platform, so you don't need a new login. Just select "Credit Score" in the menu section to enroll.

Benefits of checking your score today include the ability to:

  • Receive credit monitoring with alerts for major changes,
  • Identify and easily dispute credit bureau errors,
  • Understand the factors that impact your score, and
  • Work toward your financial goals!

Changing banks is simple with the Gulf Coast Bank Switch Kit, helping you easily track all information you’ll need when you switch to our bank


1Minimum Opening Deposit Requirements: May vary dependent on the account type you choose to open. See additional disclosures for details below.

2Mobile Deposit and Digital Banking: Gulf Coast Bank does not charge a fee for using Mobile Deposit and Digital Banking. Message and data charges from your mobile provider may apply.

3Student Checking: Parent or legal guardian must be a joint owner on the account. Additional restrictions apply. See additional disclosures for details below

4Interest Checking: The Annual Percentage Yield (APY) and Interest rates vary based on whether qualifications met. The interest rate may change at any time. When the two qualifications stated in the Interest Checking Disclosure are met, 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 monthly qualifying cycle. See disclosure below for additional details.

5Educator Plus Checking: Annual Percentage Yield (APY) and Interest rates vary based on account balance. The interest rate may change at any time. See disclosure below for additional details.

6The credit scores presented in SavvyMoney are based on the VantageScore 3.0 scoring model. This score may differ from your FICO score. The credit score presented in SavvyMoney may not be identical in every respect to any consumer credit scores provided by any other company. SavvyMoney utilizes factors from the three major credit reporting bureaus (Equifax, Experian and Transunion) to determine credit score.

Additional Information: The contents of the page is informational only. To qualify for a deposit account at Gulf Coast Bank & Trust Company additional requirements must be met. All accounts are subject to approval. Additional fees (See Fee Disclosure) and restrictions may apply. The terms of all accounts are subject to change, including fees, rates, or features. Contact your local banker for current rate information and additional details. See important disclosures: Free Checking Disclosure, Interest Checking Disclosure , Rewards Checking Disclosure, Easy Checking Disclosure, Easy Student Checking Disclosure, Educator Plus Checking Disclosure, Select Checking Disclosure, Interest Checking Combo Disclosure for additional details and fees associated with these products.

Paper Statement Fee: All Checking Accounts must enroll in eStatements to avoid the monthly paper statement fee of $4.85 waived 

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