Personal » Savings Solutions » Savings Accounts » Interest Savings Interest Savings Gulf Coast Bank's Interest Savings Account can help you build your savings all on its own. Easy, automatic savings fueled by Interest Checking interest and ATM fee refunds means you benefit the most from your money. And that’s always a good thing. Interest Savings is linked to your Interest Checking account. Each qualification cycle, interest and ATM refunds that you earn are automatically transferred to your Interest Savings account where it earns interest again. Even if you don't qualify, there's nothing to worry about. Your Interest Checking account is always free and you will earn our base rate of interest on both your checking and your savings account. You can get back to earning the higher rate of interest and ATM fee refunds* the very next qualification cycle! There are no extra qualifications for the Interest Savings Account. You automatically receive the highest rate when you meet the qualifications in your Interest Checking, which is very simple. Just do the following each month: 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. Click here for important disclosures. Federal banking regulations restrict the number of withdrawals and transfers that can be made per month on savings and money market accounts. See disclosures for more information. Available for Personal Accounts only. Limit one account per Social Security number. See Banker for more Details. * Fees incurred from ATM Withdrawals made from your Interest Savings Account will NOT be refunded. ^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.