Personal Savings Solutions

Whatever the goal, Gulf Coast Bank offers a variety of saving solutions. Do you think about planning for the future? We have thought about that for you and offer many options from Savings Accounts to Money Markets to make those plans achievable. In addition to our savings solutions we offer Certificates of Deposit (CDs) and Individual Retirement Accounts (IRAs). Get started today and apply online for a Savings, Money Market, or Health Savings account. For more information or to apply in person, visit a branch location

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  • Savings

    Apply Online

    Earn a higher interest rate with higher balances with Gulf Coast Bank's Savings Account. To learn more and apply, visit a branch location today. 

    Service Features
    Interest calculated daily and paid quarterly
    Smart Banking Technologies: Free Digital Banking, Bill Pay, and Mobile Deposit^
    Free eStatements
    6 Free debits/withdrawals per month*
    Fees
    No Monthly Service Cycle Fee

    $4.85 quarterly paper statement fee waived if one of the following is met: Average quarter to date balance of $5000 or greater OR Average quarter to date balance of $25,000 or greater in qualifying deposits OR Account is set up for eStatements.  Average quarter to date cycle will end one business day prior to the statement cycle.

    $5.00 per debit/withdrawal in excess of 6*

    Important Disclosures

    *Federal banking regulations restrict the number of withdrawals and transfers that can be made per month on savings and money market accounts. See disclosures for more information. 

    ^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. 

  • Interest Savings

    Gulf Coast Bank's Interest Savings Account can help you build your savings all on its own. Easy, automatic savings fueled by Interest Checking interest and ATM fee refunds means you benefit the most from your money. And that’s always a good thing. 

    Interest Savings is linked to your Interest Checking account. Each qualification cycle, interest and ATM refunds that you earn are automatically transferred to your Interest Savings account where it earns interest again.  

    Even if you don't qualify, there's nothing to worry about. Your Interest Checking account is always free and you will earn our base rate of interest on both your checking and your savings account. You can get back to earning the higher rate of interest and ATM fee refunds* the very next qualification cycle!  

    There are no extra qualifications for the Interest Savings Account. You automatically receive the highest rate when you meet the qualifications in your Interest Checking, which is very simple. Just do the following each month: 

    • Have at least 12 Gulf Coast Bank & Trust issued debit card transactions post and settle during the monthly qualification cycle. 

    • Have at least one Automatic Payment (ACH), Direct Deposit or Online Bill Payment post and settle during the monthly qualification cycle. 

     

    Earn a higher interest rate with higher balances with Gulf Coast Bank's Savings Account. To learn more and apply, visit a branch location today. 

    Service Features
    Interest calculated daily and paid monthly
    Smart Banking Technologies: Free Digital Banking, Bill Pay, and Mobile Deposit^
    Free eStatements
    6 Free debits/withdrawals per month**
    Fees
    $3.00 monthly service cycle charge fee refunded 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 Average month to date cycle will end one business day prior to the statement cycle.
    $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.  Average month to date cycle will end one business day prior to the statement cycle.
    $5.00 per debit/withdrawal in excess of 6**

    Important Disclosures

    **Federal banking regulations restrict the number of withdrawals and transfers that can be made per month on savings and money market accounts. See disclosures for more information.  

    Available for Personal Accounts only. Limit one account per Social Security number. See Banker for more Details.  

    *Fees incurred from ATM Withdrawals made from your Interest Savings Account will NOT be refunded. 

    ^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 Minor Savings

    Gulf Coast Bank's Joint Minor Savings account is designed for minors of all ages to learn the importance of saving money.

    To learn more and apply, visit a branch location today or apply online. Parent(s)/legal guardian must apply online for the minor, listing the minor as the primary applicant and themselves (parent(s)/legal guardian) as the joint applicant. Minor must be age 15 up to age 18 to apply online. 

     

    Apply Online

     

    Service Features

    Earn a higher rate of interest with higher balances

    Interest is calculated daily and paid quarterly

    Smart Banking Technologies: Free Digital Banking, Bill Pay, and Mobile Deposit^
    Free eStatements
    6 Free debits/withdrawals per month**
    Fees
    No monthly cycle service fee
    $4.85 quarterly paper statement fee waived if one of the following is met: Average quarter to date balance of $5000 or greater OR Average quarter to date balance of $25,000 or greater in qualifying deposits OR Account is set up for eStatements.  Average quarter to date cycle will end one business day prior to the statement cycle.
    $5.00 per debit/withdrawal in excess of 6**  

    Important Disclosures

    Minor must be age 15 up to age 18 with signing authority to obtain an ATM Card*, register for Digital Banking or be approved for Mobile Deposit.  Minors under the age of 15 will not have signing authority. Parent or legal guardian must be a joint owner. 

    **Federal banking regulations restrict the number of withdrawals and transfers that can be made per month on savings and money market accounts. See disclosures for more information. 

    ^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 an ATM Card.

  • Educator Plus Vacation Club

    Gulf Coast Bank's Educator Plus Vacation Club Savings account is designed for Educator Plus Checking account holders employed by learning institutions in Louisiana or Mississippi looking to plan for their vacation. Vacation Club Savings account holders can earn a competitive interest rate and set up automatic transfers bi-monthly or monthly from your Educator Plus Checking.  

    Educator Plus Checking account holders receive a variety of discounts and perks. 

    Louisiana residents may apply online

    Apply Online or Visit a Branch To Apply

    Service Features
    Earn a competitive interest rate. Interest calculated daily and paid quarterly 
    Set up an automatic transfer bi-monthly or monthly from your Educator Plus Checking. 
    Smart Banking Technologies: Free Digital Banking, Bill Pay, and Mobile Deposit^
    Free eStatements
    6 Free debits/withdrawals per month*
    Fees
    $100 minimum opening deposit
    $4.85 quarterly paper statement fee waived if one of the following is met: Average quarter to date balance of $5000 or greater OR Average quarter to date balance of $25,000 or greater in qualifying deposits OR Account is set up for eStatements.  Average quarter to date cycle will end one business day prior to the statement cycle.
    $5.00 per debit/withdrawal in excess of 6* 

    Important Disclosures

    *Federal banking regulations restrict the number of withdrawals and transfers that can be made per month on savings and money market accounts. See disclosures for more information. 

    ^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.

  • Christmas Club

    Christmas Club Savings account is designed for existing GCB Checking or Savings account holders to help you be prepared for the holiday season and set your budget ahead of time. The funds in your account can be used not only for holiday gifts but for holiday travel as well. With Gulf Coast Bank's Christmas Club Savings account, you can avoid the financial hangover that can accompany spreading holiday cheer with no fees. 

    Automatic periodic transfer from GCB Checking or Savings is required. Additional deposits are allowed. 

    Apply Online

    Service Features
    Interest bearing account 
    A $20 minimum deposit is required to open an account
    No monthly service charge
    No withdrawals unless account is closed and automatic transfer is cancelled
    Funds deposited directly to your checking or savings account in November

    Important Disclosures

  • Health Savings

    Gulf Coast is one of your local providers of Health Savings Accounts. A Health Savings Account can be used in conjunction with a high-deductible health plan to help take control of rising medical costs. 

    You must be participating in a high-deductible health plan to qualify for a HSA. As part of this plan, you pay as you go for medical expenses until you have met the health plan’s deductible. When you have reached the deductible, your health plan will pay for the majority of health care for that year. 

    Apply Online

    Call 985-249-7264 or email KenFernandez@gulfbank.com* for more information and to see if you qualify for a Health Savings Account. 

    Service Features

    Tax Savings: 

    Contributions as well as distributions are tax free as long as the funds are used for qualified medical expenses

    Retirement Savings: 

    Your HSA balance will roll over each calendar year and accumulate to use for future medical expenses. If you don’t spend the money on healthcare, the money keeps earning interest and accumulating to be used as supplemental retirement income. 

    Individual Control: 

    You own this account, not your employer or health care provider. You can even take your HSA with you from job to job to retirement. In some instances, your employer may even contribute to your HSA as part of your company’s benefit package.

    Important Disclosures

    *Don't email personal or financial information. Email is not a secure method of transmitting personal information. 

  • Money Market

    Earn a higher rate of interest on your Money Market account the higher your balance grows with the flexibility that allows you to have access to your money. Get started today by opening an account online from the comfort of your favorite spot on your sofa.

    Apply Online

    Service Features
    Interest calculated daily and paid monthly
    Smart Banking Technologies: Free Digital Banking, Bill Pay, and Mobile Deposit^
    Free eStatements
    6 Free limited transactions* per month
    Fees
    $10 monthly service charge when balance is below $5,000. Monthly service cycle charge fee waved 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.  Average month to date cycle will end one business day prior to the statement cycle.
    $10.00 per limited transaction in excess of 6*

    Important Disclosures

    *Federal banking regulations restrict the number of withdrawals and transfers that can be made per month on savings and money market accounts.  

    1. You can make unlimited number of cash withdrawals or transfers to your Gulf Coast Bank accounts in person or by using an ATM. 

    2. During any month, you may not make more than 6 withdrawals or transfers to another account of yours or to a third party by means of a preauthorized or automatic transfer or telephone order or instruction, computer transfer, or by check, draft, debit card or similar to a third party. See disclosures for more information. 

    ^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. 

  • Select Money Market

    Gulf Coast Bank's Select Money Market* account is designed for Select Checking account holders who are looking to receive a variety of benefits, discounts and perks. To learn more and apply, please phone 504-412-2041 to schedule an appointment with a Private Banker today.

    Select Checking account required.

    Call Us Today or Apply Online

    Service Features
    Earn a higher interest rate with higher balances than our Best Money Market account. Interest is calculated daily and paid monthly. 
    Flexibility allowing you to access your money. Convenience of writing checks.
    Smart Banking Technologies: Free Digital Banking, Bill Pay, and Mobile Deposit^
    Free eStatements or free paper statements
    6 Free limited transactions* per month
    Fees
    $1,000 minimum opening deposit  
    $10.00 per limited transaction in excess of 6* 

    Important Disclosures

    *If you no longer meet the eligibility requirements for the Select Money Market account your Select Money Market account will be converted to the Best Money Market account and all of the terms and conditions of the Best Money Market Account will apply. See Best Money Market Disclosure for complete details. 

    **Federal banking regulations restrict the number of withdrawals and transfers that can be made per month on savings and money market accounts. 

         1. You can make unlimited number of cash withdrawals or transfers to your Gulf Coast Bank accounts in person or by using an ATM 

         2. During any month, you may not make more than 6 withdrawals or transfers to another account of yours or to a third party by means of a preauthorized or automatic transfer or telephone order or instruction, computer transfer, or by check, draft, debit card or similar to a third party. See disclosures for more information. 

    ^Gulf Coast Bank does not charge a fee for using Digital 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.