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Personal Savings

Regular Savings

  • Minimum opening deposit: $100 (except for minors).
  • Interest begins to accrue on the business day you deposit non-cash items (for example, checks). Interest will be compounded quarterly and will be credited to the account quarterly.
  • Interest will be forfeited during the quarter on the days the balance falls below $100.

Golden Savings

  • Minimum opening deposit: $500.
  • Interest begins to accrue on the business day you deposit non-cash items (for example, checks). Interest will be compounded quarterly and will be credited to the account quarterly.
  • Interest will be forfeited during the quarter on the days the balance falls below $500.

If balance in either Regular or Golden accounts falls below $100, a $2.00 monthly charge will be assessed. Withdrawal fee of $1.00 per item after 2 in 1 month.

Christmas Club

Interest will be paid from date of deposit to maturity. Club accounts that close before maturity will forfeit their interest. Club account can be setup with automatic draft.

Personal Money Market Checking Account

  • Minimum opening deposit: $5,000.
  • If balance falls below $5,000, no interest will be earned for those days.

Commercial Money Market Checking Account

  • Minimum opening deposit: $10,000.
  • If balance falls below $10,000, no interest will be earned for those days.
  • Three withdrawals per month can be made in Personal and Commercial Money Market Checking Accounts without charge. A $9.50 fee will be assessed for each transaction over three withdrawals in Personal; $20 in Commercial.

NOW Accounts

  • Minimum opening deposit: $1,500.
  • If balance falls below the required minimum balance of $1,500, interest will be forfeited for that month and a $10 service charge will be incurred. 15 free debits, 15 cents per withdrawal after 15. Check with the bank for current rates.
  • For-profit organizations such as corporations & partnerships are ineligible for NOW accounts.

CDs (Certificates of Deposit)

Gulf Coast Bank offers a variety of CDs with different rates and maturity dates. Please contact your local GCB representative for accurate information.

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