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Personal Banking

Legacy Checking
  • Minimum Balance to Open $100.00
  • No Monthly Maintenance Fee
  • No Minimum Balance Requirement
  • Free Gateway Debit Card
  • Unlimited Check Writing
  • Free Online Banking with Bill Pay
  • Free Monthly Standard Text Statements or E-Mail Statements (Image Statement available at additional charge)
  • Free Notary Service
Legacy Select Checking
  • Minimum Balance to Open $100.00
  • Minimum Balance to avoid $12.00 Monthly Maintenance Fee (Daily $1,000 or $1,500 Average Monthly)
  • Unlimited Check Writing
  • Free Gateway Debit Card
  • Earns Interest on Daily Collected Account Balance
  • Free Online Banking with Bill Pay
  • Free Image Statements
  • Free Notary Service
Legacy Reserve Checking
  • Minimum Balance to Open $100.00
  • Minimum Balance to avoid a $15.00 Monthly Maintenance Fee ($5,000 Minimum Daily Balance or Combined Average Monthly Balance of $15,000 or a combination of any personal depository accounts) or Combined Loan Balances of $20,000 (combination of any personal outstanding loan balances)
  • Unlimited Check Writing
  • Free Gateway Debit Card
  • At your request we will reimburse ATM fees that are charged by another bank up to $5.00 per statement cycle. Please notify us within 30 days of statement date.
  • Free Online Banking with Bill Pay
  • A Tiered Interest Rate Account earns higher rate of interest established by the bank based on tiered levels;
    Levels are as follows:
    $0-$4,999
    $5,000- $24,999
    $25,000- $99,999
    $100,000- $499,999
    $500,000 +
  • Bonus Rates on Personal CDs
  • Discount rates on Personal Consumer Loans *
  • Free Legacy Reserve Checks
  • Free Cashier's Checks
  • Free Image Statements
  • Free Notary Services
  • Safe Deposit Box 50% Discount
    (3" x 5, upon availability)
  • Combined Statements Available

    * Subject to credit qualification
Legacy Silver Advantage Checking
  • Designed for customers 50 or over
  • Required additional account with Gateway Bank
  • Minimum Balance to open is $100.00
  • No minimum average balance required
  • Unlimited Check Writing
  • Free Gateway Debit Card
  • At your request we will reimburse ATM fees that are charged by another bank up to $5.00 per statement cycle. Please notify us within 30 days of statement date.
  • Free Online Banking with Bill Pay
  • Bonus Rates on Personal CDs
  • Free Legacy Silver Checks
  • Free Cashier's Checks
  • Free Image Statements
  • Free Notary Services
  • Safe Deposit Box 50% Discount
    (3" x 5, upon availability)
  • Combined Statements Available
Gateway Savings
  • Minimum Balance to Open $100.00
  • Minimum Daily Balance - $300.00 to avoid a $5.00 Quarterly Maintenance Fee
  • $100.00 Minimum Daily Balance to Earn Interest on Daily Collected Account Balances – Credited Quarterly
  • Unlimited transactions in person or by mail
  • Transactions limited to six (6) debits or transfers by pre-authorized or automatic transfer or telephone, per statement cycle
  • A $5 service charge will be charged for each debit exceeding six (6) per quarter
  • Free Online Banking
  • Quarterly Statement
Young Saver Account
  • Designed for customers age 18 or under
  • Minimum Balance to Open $10.00
  • No Maintenance Fee
  • Transactions limited to six (6) transfers or withdrawals per quarter
  • A $3 service charge will be charged for each debit exceeding six (6) per quarter
  • Earns Interest on Daily Collected Account Balance and is paid Quarterly
  • Quarterly Statement
Gateway Money Market Investment
  • Minimum Balance to Open $100.00
  • Minimum Balance to avoid a $12.00 Monthly Maintenance Fee (Daily $2,500 or $5,000 Average Monthly)
  • A Tiered Interest Rate Account earns higher rates of interest established by the bank based on tier levels;
    Levels are as follows:
                              $ 0 - $ 4,999
                              $ 5,000 - $ 24,999
                              $ 25,000 - $ 99,999
                              $100,000 - $499,999
                              $500,000+
  • Earns Interest on Daily Collected Account Balance
  • Unlimited transactions in person or by mail
  • Transactions limited to six (6) debits or transfers by pre-authorized or automatic transfers or telephone, per statement cycle
  • A $7 service charge will be charged for each debit exceeding 6 per statement cycle
  • Free Online Banking
Certificates of Deposit

Gateway Bank of Central Florida offers a variety of high-yield time deposits with terms to suit all investment needs. Contact a Financial Services Representative to learn more about our competitive rates and terms

Individual Retirement Accounts

Gateway Bank of Central Florida offers both Traditional and Roth IRA's. Each features different eligibility requirements and tax benefits, along with income limitations. For example, a Traditional IRA offers tax benefits during income-producing years while a Roth IRA is funded with after tax income, but grows tax free. Please take a moment to talk you're your tax advisor, and then a Financial Services Representative to create the right IRA for your retirement savings goal.

For more information on your investment needs, stop by any of our locations or contact:

  • Ocala Contacts:
  • Linda McGruther
    Email Linda
    352.236.6443

    Lisa Mussey
    Email Lisa
    352.236.6444

    Traci Ferguson
    Email Traci
    352.368.3756

  • Gainesville Contacts:
  • Joanne Edde
    Email Joanne
    352.416.0340

    Laurel Ferri
    Email Laurel
    352.416.0332

  • Alachua Contacts:
  • Janene Manning
    Email Janene
    386.418.8307 ext. 407

    Paige Hale
    Email Paige
    386.418.8307 ext. 402

    Consumer Loans

    Gateway Bank of Central Florida has an excellent staff of experienced banking personnel. Our consumer loan professionals will structure the right loan solution to suit your unique needs.

    Gateway Bank of Central Florida offers the following
    Consumer Loans *:

    • Home Equity Loans/Lines
    • Home Improvement Loans
    • Auto Loans
    • Boat Loans

    Each loan is delivered with prompt, professional, courteous service. For more information contact us at 352-368-3756 .. or stop in and see us at 1632 E. Silver Springs Blvd., Ocala, FL 34470.

    * Subject to credit qualification

    Miscellaneous Fees & Service Charges

    Gateway Bank Additional Services Offered
    Internet Banking
    Consumer:  
    Online Banking (View Account/Transfer) Free
    Online Bill Pay (includes 15 bill payments per statement cycle, $1 per item exceeding the 15 items) Free

    Commercial:
     
    Online Banking (View Account/Transfer) Free
    Online Bill Pay (includes 15 bill payments per statement cycle, $1 per item exceeding the 15 items) $9.95/Month
    Introductory (3 months) Free

    ATM Surcharges:
     
    At your request we will reimburse ATM fees that are charged by another bank up to $5.00 per statement cycle. Please notify us within 30 days of statement date.

    Account Service Charges:
     
    Early Closing Service Charge - within six (6) months of account opening $25.00
    NSF item Paid/Returned
    * (created by check, in person or ATM withdrawals, etc.)
    $35.00
    Uncollected Funds Paid/Returned
    * (created by check, in person or ATM withdrawals, etc.)
    $35.00
    Stop Payment $35.00
    Returned Items Cashed or Deposited $ 7.00
    Dormant/Inactive Account Service Charge per month (over 12 months without activity regardless of balance for Checking and MMK Accounts and over 24 months for Savings accounts) $10.00
    Telephone Transfers $ 5.00
    Image Statements $ 5.00
    Deposit Correction per Item $ 5.00
    ACH Unposted Correction $10.00
    Debit Card Free
    Foreign Currency Exchange $30.00
    Return Mail $ 5.00
    Duplicate Statements Charge
    per Statement
    $ 6.00
    Overdrawn service charge (after five- (5) consecutive days) $ 6.00/Day

    Consignment Items:
     
    Official Checks Customers $ 7.00
    International Drafts Issued in a Country’s Domestic Currency $20.00

    Currency Orders:
     
    Coin $0.25 per roll
    Currency $0.25 per strap

    Legal:
     
    Subpoenas $50 per hour;
    $1.00 per page
    Reclamation $75.00
    Writ of Garnishment $75.00
    IRS Levy $75.00

    Miscellaneous Service Charges:
     
    Zipper Bags: Not for Night Deposit Use $ 5.00
    Tamper Evident Plastic Bags for Night Depository Use $25.00 for
    100 bags
    Collections (Incoming / Outgoing) $25.00
    Verification of Deposit (per Request) $ 5.00
    Bond Redemption $20.00
    Coupon Collection (per Envelope) $10.00

    Research:
     
    Statement Reconciliation $25.00 per hour
    Research Request $25.00 per hour
    Statement Copies/Snapshots $ 5.00 per statement
    Check Copies $ 1.00 per item
    Copies $ 2.00 per page
    Fax Services $ 2.00 per page

    Wire Transfers:
     
    Incoming $10.00 each
    Outgoing - Domestic $25.00 each
    Outgoing - International $40.00 each

    Safe Deposit Boxes:
     
    3” x 5” $30.00 Annually
    3” x 10” $40.00 Annually
    5” x 10” $65.00 Annually
    10” x 10” $100.00 Annually

     



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