Personal 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. 

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. 

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: 

• Free Digital Banking, Bill Pay, and Mobile Deposit^ 
• Debit MasterCard^® - Add additional layers of protection with our Card Control App.
• Free eStatements
• Free ATM access to all Gulf Coast Banks and ATMs within the Community Cash Network.

 

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.

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.

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: 

• Opportunity to attend financial planning seminars 
• Eligible for additional interest premium on Gulf Coast Bank standard certificate of deposit (CD) rates 
• Eligible for our Vacation Club Savings account 

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.

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: 

• Home Equity Line of Credit (HELOC) Closing Cost 
• Personal & Home Loan Rate 
• Mortgage Division closing cost 

Available Perks: 

• Eligible for our Select Money Market account 
• Free Safe Deposit Boxes (Subject to availability) 
• Opportunity to attend financial planning seminars 

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.

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.