Personal » Checking Solutions » Checking Accounts » Free Checking Free Checking Enjoy a Free Checking Account from Gulf Coast Bank featuring no monthly service cycle fee and no minimum balance required. Apply Online Click here for 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 $3.85 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 or Alerts. Message and data rates may apply. Please check with your service provider for specifics on any fees and service charges.