Personal Checking
Popular checking accounts
Interest Checking
Earn interest on your balance while keeping full access to your money for everyday use.4
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Earn interest on entire balance
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No minimum balance1
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No monthly maintenance service cycle charge
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Refund ATM fees up to $25.00 each cycle4
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Free Digital Banking2 & Credit Score7
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Debit MasterCard® - Add additional layers of security with CardPlus
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Qualification Center
Easy Checking
A simple, low-maintenance account with the core features most people need.
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No minimum balance1
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No monthly maintenance service cycle charge
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Free Digital Banking2 & Credit Score7
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Debit MasterCard®: Add additional layers of security with CardPlus
Select Checking
Enhanced benefits and services for clients who maintain higher balances.6
- Earn competitive, tiered interest on your entire balance
- No minimum balance required to earn interest1
- Monthly maintenance service cycle charge waived when minimum balance requirements are met
- Free Digital Banking2 and Credit Score7
Rewards Checking
Enhanced benefits and services for clients who maintain higher balances.
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For select banking clients of Gulf Coast Bank & Trust
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No minimum balance1
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Waive monthly service charge
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Earn higher interest rate on balance
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Free Digital Banking2 & Credit Score7
Checking accounts for your specific needs
Educator Plus Checking
Earn interest on your balance while keeping full access to your money for everyday use.5
Opportunity Checking
A simple, low-maintenance account with the core features most people need.
Free Checking
Enhanced benefits and services for clients who maintain higher balances.
Student Checking
For ages 13 to 18 with no minimum balance or monthly maintenance fee.3
Why choose Gulf Coast Bank checking
Local service you can trust
Mobile banking on the go
Free credit score and report
Branded school debit cards
Compare checking accounts
| Easy Checking | Interest Checking | Rewards Checking | |
|---|---|---|---|
| Monthly service fee | $0 / month | $0 / month | $0 / month |
| No minimum balance | |||
| Earns interest | - | - | |
| Rewards available | - | - | |
| Overdraft services | - | - | - |
| Digital banking access |
Learn more
Get Started
- Compare checking accounts
- Visit a branch
- Learn about savings accounts
- Learn about Educator Plus Checking
- Contact a banker
- Schedule an appointment
1Minimum Opening Deposit Requirements: May vary depending on the account type you choose to open. See additional disclosures for details below.
2Mobile Deposit and Digital Banking: Gulf Coast Bank & Trust Company ("GCBT") 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: Annual Percentage Yield (APY) and interest rates vary based on whether qualifications are 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.
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.
6Select Checking: $20 minimum opening deposit. $12.00 monthly maintenance service cycle charge can be waived if you maintain $75,000 or greater in combined average month-to-date balkances in GCB qualifying persona/consumer deposit and investment dollars with GCB Wealth Management. See Select Checking Truth in Savings disclosure for complete information.
7The 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.
Certain restrictions and limitations apply to accounts opened online.
Additional Information: The content of the page is informational only. To qualify for a deposit account at GCBT,additional requirements must be met. All accounts are subject to approval. Additional fees (See Fee Disclosure) and restrictions may apply. All account terms 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, Interest Checking Mississippi Disclosure, Interest Checking Florida Disclosure, Interest Qualification Calendar, Rewards Checking Disclosure, Easy Checking Disclosure, Easy Student Checking Disclosure, Educator Plus Checking Disclosure, Select Checking Disclosure, Opportunity Checking, 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.
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