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
- Anywhere ATM
- 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 Traveler'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
- Anywhere ATM
- Free Online Banking with Bill Pay
- Bonus Rates on Personal CDs
- Free Legacy Silver Checks
- Free Cashier's Checks
- Free Travelers 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 fee 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 Fee 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 fee 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 & 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: |
|
| Up to $5.00 per billing cycle will be refunded. Just bring in current statement to Financial Services Rep within 30 days of statement. |
Account Fees: |
|
| Early Closing Fee - 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 Fees 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 Fee (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 |
| Travelers Checks |
1% per $100 |
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 Fees: |
|
| 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 |
|
