Personal Checking Solutions

Gulf Coast Bank offers a variety of personal checking options to meet your individual needs. To make banking with us easy and rewarding, all of our checking accounts offer a Gulf Coast Bank Debit MasterCard® for added peace of mind when you shop and Smart Banking Technologies such as free digital banking options

Interested in opening an account? Simply apply online or visit a local branch today. We even offer a Gulf Coast Bank Switch Kit to help keep track of all the information that you need to switch to Gulf Coast Bank. 

Apply Online

  • Free Checking

    Enjoy a Free Checking Account from Gulf Coast Bank featuring no monthly service cycle fee and no minimum balance required. 

    Apply Online

    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 CardValet 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. 

  • Rewards Checking

    Reward yourself with Gulf Coast Bank's Rewards Checking account. Earn reward points when you use your debit card and redeem them for merchandise, gift cards, and even vacation getaways! See the information below to learn more or visit a branch location near you. 

    Apply Online

    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 CardValet 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. 

  • Interest Checking

    Gulf Coast Bank’s Interest Checking account allows you to earn interest on your entire balance! When you meet the two qualifications stated below, as an added benefit, you will earn a higher interest yield as well as a refund of ATM fees* up to $25.00 each cycle. 

    Qualifications: 

    • 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 GCB Bill Pay post and settle during the monthly qualification cycle 

     

    Interest Earned: 

    • If qualifications are met during each monthly qualification cycle: 
      • On balances up to $20,000, earn 0.90% APY**  
      • On balances $20,000 and over, APY will range from 0.50% to 0.90% APY** depending on the balance in the account 
    • If qualifications are not met: 
      • 0.05% APY** on entire balance  

     

    Enjoy Added Benefits: 

     

    Apply Online

     

    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 (link to 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 0.90% APY and balances over $20,000 earn 0.50% APY interest rate on portion of balance over $20,000, resulting in 0.50% to 0.90% 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.

  • Easy Checking

    Gulf Coast Bank's Easy Checking account is a basic checking account to meet everyday banking needs. It's easy and simple. Students age 15 up to age 18 may open our Easy Student Checking account with a parent or guardian as a joint owner. 

    Apply Online

    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 CardValet 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.

  • Educator Plus Checking

    Gulf Coast Bank's Educator Plus Checking account is designed for individuals employed by learning institutions in Louisiana or Mississippi. Now, you can earn interest and earn rewards every time you use your MasterCard debit card! This account also includes a variety of discounts and perks listed below.  

    Earn 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: 

     

    Louisiana residents may apply online

    Apply Online or 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 CardValet 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.

  • Select Checking

    Gulf Coast Bank's Select Checking account is designed for select banking clients of Gulf Coast Bank 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. 

    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 

    See Select Checking Truth In Savings Disclosure for qualifying accounts. 

    Discounts*: 


    Perks: 


    Call Us Today or Apply Online

    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 CardValet 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.

  • Easy Student Checking

    With no minimum balance and state-of-the-art digital banking, Gulf Coast Bank's Easy Student Checking account is designed for and ideal for any students, age 15 up to age 18. It's a great way to learn the importance of managing money.

    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.

    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 CardValet 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.