# Personal Checking

Source: https://www.gatewayfirst.com/personal/checking

Gateway personal checking accounts offer fast, easy access to cash you use every day and come with convenient online tools designed to make your life easier.

## Your financial journey starts with reliable checking.
Checking shouldn't be a "one size fits all" deal. At Gateway, you'll never have to wonder if you're getting the most out of your checking account because we have solutions tailored to meet you where you're at—today, tomorrow, and along your financial journey.
### Accessing your cash has never been easier.
#### Gateway Free Checking
Simple, hassle-free personal checking at zero cost.
FREE online & mobile banking
FREE digital tools & services
FREE debit card
FREE e-statements
FREE ATMs* (40,000+ nationwide)
White-glove customer service
Monthly Fee: $0
Minimum Balance: $0
Minimum to Open: $50
We buy back debit cards and unused checks from another financial institution up to $10.
#### Gateway Easy Interest Checking
Earn interest with a low minimum balance and no monthly fees!
Competitive interest
FREE online & mobile banking
FREE digital tools and services
FREE debit card
FREE e-statements
FREE ATMs* (40,000+ nationwide)
White-glove customer service
Monthly Fee: $0
Minimum Balance: $0
Minimum to Open: $50
We buy back debit cards and unused checks from another financial institution up to $10.
#### Gateway 50 Plus Checking
Premier benefits and no red tape for customers in their prime.
Competitive interest
FREE first box of checks
FREE online & mobile banking
FREE digital tools and services
FREE debit card
FREE e-statements
FREE ATMs* (40,000+ nationwide)
White-glove customer service
Monthly Fee: $0
Minimum Balance: $0
Minimum to Open: $50
We buy back debit cards and unused checks from another financial institution up to $10.
#### Gateway Premier Interest Checking
The gold standard of interest earning checking.
Higher interest rate with a balance of $1,500+
Competitive interest if balance falls below $1,500
FREE box of checks every 12 months
FREE digital tools and services
FREE online & mobile banking
FREE debit card
FREE e-statements
FREE ATMs* (40,000+ nationwide)
White-glove customer service
*$6 monthly charge occurs if balance falls below minimum balance.
Monthly Fee: $6*
Minimum Balance: $1,500
Minimum to Open: $50
We buy back debit cards and unused checks from another financial institution up to $10.
Other fees such as non-sufficient funds, overdraft, etc. may apply. See fee schedule for details. Minimum opening deposit is only $50. Ask us for details. Up to $10 for debit cards and unused checks from another financial institution given at the time the checks/debit cards are presented. Some restrictions apply. Offer good on personal accounts only; ask us about our outstanding options for your business or organization. Free ATM access is part of [Allpoint ATM Network](https://www.allpointnetwork.com/#where), which includes access to more than 40,000 surcharge-free ATMs nationwide, including locations in Target, Walgreens and CVS locations. Customers will be charged $1.00 for using non-network ATMs. Deposit accounts not available in the following states: Alaska, California, Georgia, Hawaii, Illinois, Maine, Massachusetts, Montana, New Hampshire, New York, Rhode Island, Vermont.
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### The proof is in the perks.
You deserve the best from your bank, and our digital tools and services are second to none.
#### Mobile Deposit
Use your phone to make deposits—it's as easy as that.
#### Online Bill Pay
Manage bills, schedule payments, and set up recurring payments.
#### Friend-to-Friend Payments with Zelle®
Securely send and receive money with people you trust with** Zelle®**
#### ClickSWITCH®
Easily switch your direct deposits & auto payments from other banks.
#### CardSwap™
Swap card info for subscriptions & services in one place.
#### Better Budgeting
Keep organized with our interactive spending and budgeting tool.
### BankOn CTA
## Ask us about Gateway BankOn™ Checking!
### Checking Account FAQs
#### What are the benefits of a checking account?
There are several benefits of having a checking account when it comes to managing your everyday finances. Checking accounts allow you to receive direct deposits, pay bills using checks, withdraw cash from any free Gateway or *AllPoint ATM, as well as keep your money secure and safe.


**Free ATM access is part of *[*Allpoint ATM Network*](https://www.allpointnetwork.com/#where)*, which includes access to more than 40,000 surcharge-free ATMs nationwide, including locations in Target, Walgreens and CVS locations. Customers will be charged $1.00 for using non-network ATMs. *
#### How do I open a checking account?
You can open a checking account [online](https://www.gatewayfirstchecking.com/clkg/https/newaccount.gatewayfirst.com/index.html?fixProducts=true&productId=gateway_checking&skipCart=true) or in-person at a local Gateway [<u>Banking Center</u>](https://www.gatewayfirst.com/locations-atms?filter=Banking-Center&tab=location).


Regardless of how you apply, you'll need:




- Your social security number
- Valid ID (driver's license, state ID, consular ID)
- Current residential address
#### What is Gateway's routing number?
Gateway's Routing Number is **103112552**.
#### How do I order checks?
You can request them online through our [<u>Check Ordering Portal</u>](https://orderpoint.deluxe.com/personal-checks/welcome.htm)with *Deluxe*, via your [<u>Gateway Mobile Banking App</u>](https://www.gatewayfirst.com/digital-tools), over the phone, or at your local [<u>Banking Center</u>](https://www.gatewayfirst.com/locations-atms?filter=Banking-Center&tab=location).
### How else can we help you today?
Loans
#### Explore all your lending needs.
Savings
#### Open a savings account.
Certificate of Deposit
#### Check out our CD rates.
Digital Tools
#### Digital tools for every day.
Published: 2026-07-31T03:08:54.878Z