Personal Checking Accounts
- All Gateway Bank personal accounts require a minimum opening balance of $100 unless otherwise stated
- Gateway TeleBanc 24 - 800-597-0162 - available 24 hours a day 7 days a week
- Check Imaging provides a streamlined approach to record keeping - an image of your paid checks is transferred to paper to save time and make it easier to balance your account
- Easy-to-balance monthly statements
- Pre-approved Overdraft Limits *
- All Gateway Bank ATMs available 24 hours a day 7 days a week in North Carolina and Virginia - A network of 80 ATMs throughout North Carolina, Virginia and Maryland
Elite Checking
- Interest bearing with premium rates to reward higher balances
- Unlimited check writing
- Unlimited electronic activity (ACH, ATM, VISA® Debit Card, draft, etc.)
- Free "Elite Banking" checks
- Free online banking with bill pay
- Free TeleBanc access
- Free VISA ® Debit Card
- Free Premium Savings account
- Imaged statements
- Maintain a minimum daily balance of $2,500 to avoid a $15.00 monthly maintenance fee
- Unlimited use of Hampton Roads Bankshares' ATMs; four free withdrawals per month at non-Hampton Roads Bankshares ATMs
- Overdraft protection available
- OOPS! Coupon redeemable for one NSF fee refund
Premium Checking
- Interest bearing
- Unlimited check writing
- Unlimited electronic activity (ACH, ATM, VISA® Debit Card, draft, etc.)
- Free specialty checks
- Free online banking with bill pay
- Free TeleBanc acess
- Free VISA® Debit Card
- Imaged statements
- Maintain a minimum daily balance of $1,000 to avoid a $10.00 monthly maintenance fee
- Unlimited use of Hampton Roads Bankshares' ATMs; four free withdrawals per month at non-Hampton Roads Bankshares ATMs
- Overdraft protection available
- OOPS! Coupon redeemable for one NSF fee refund
Totally Free Checking
- No monthly service charge
- No minimum balance requirement
- Unlimited check writing
- Unlimited electronic activity (ACH, ATM, VISA® Debit Card, draft, etc.)
- Free online banking with bill pay
- Free TeleBanc access
- Free Visa® Debit Card
- Imaged statements
- Unlimited use of Hampton Roads Bankshares' ATMs
- Overdraft protection available
Essential Checking
- Unlimited check writing
- Unlimited electronic activity (ACH, ATM, VISA® Debit Card, draft, etc.)
- Free specialty checks
- Free online banking with bill pay
- Free TeleBanc access
- Free VISA ® Debit Card
- Imaged statements
- Maintain a minimum daily balance of $500 to avoid a $5.00 monthly maintenance fee
- Unlimited use of Hampton Roads Bankshares' ATMs
- Overdraft protection available
- OOPS! Coupon redeemable for one NSF fee refund
Privilege Checking
Available to individuals age 55+
- No monthly service charge with direct deposit or $500 minimum daily balance
- Interest bearing
- Unlimited check writing
- Unlimited electronic activity (ACH, ATM, VISA® Debit Card, draft, etc.)
- Free specialty checks
- Free online banking with bill pay
- Free TeleBanc access
- Free VISA ® Debit Card
- Imaged statements
- Maintain a minimum daily balance of $500 or a mothly direct deposit to avoid a $5.00 monthly maintenance fee
- Unlimited use of Hampton Roads Bankshares' ATMs
- Overdraft protection available
- OOPS! Coupon redeemable for one NSF fee refund
Health Savings Account
A way to pay for qualified medical expenses which could result in a tax advantage. Ask us for more details. Consult your tax advisor about your individual tax benefit.
- Competitive interest rates
- No monthly maintenance fee
- Free VISA ® Debit Card
For additional information on fees and other account terms, please review our Truth in Savings disclosure and Schedule of Fees.
* Bounce Protection is a service we add to your checking account to cover overdrafts up to a set limit, subject to the eligibility criteria. See branch personnel for details.
Gateway Bank & Trust is participating in the FDIC’s Transaction Account Guarantee Program.
Under the Transaction Account Guarantee Program, through December 31, 2009 all noninterest-bearing transaction accounts are fully guaranteed by the FDIC for the entire amount in the account. Coverage under the Transaction Account Guarantee Program is in addition to and separate from the coverage available under the FDIC’s general deposit insurance rules.
