Personal » Checking Solutions » Checking Accounts » Interest Checking 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 Online Bill Payment 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 1.51% APY** On balances $20,000 and over, APY will range from 1.51% to 0.76% APY** depending on the balance in the account If qualifications are not met: 0.10% APY** on entire balance Enjoy Added Benefits: MasterCard Debit Card Online & mobile banking options* Free eStatements Free ATM access to all Gulf Coast Bank ATMs and ATMs within the Community Cash Network. Apply Online Click here for important disclosures. *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. **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 1.51% APY and balances over $20,000 earn 0.76% APY interest rate on portion of balance over $20,000, resulting in 1.51% to 0.76% APY depending on the balance. If qualifications are not met, all balances earn 0.10% 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 of $4.99 or less per withdrawal will be refunded to your account each cycle that qualifications are met; up to a limit of $25.00 per qualification cycle. No reimbursement will be made if the ATM fee is $5.00 or greater. ATM fees will not be refunded for each cycle, qualification 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.