Choosing a checking account is one of the most important financial decisions you’ll make. It’s where your paychecks land, bills are paid, and everyday purchases are tracked. At Gibsland Bank & Trust (GBT), we make that decision easier by offering checking solutions designed to fit the needs of individuals, families, and businesses across Louisiana.
Whether you’re managing personal expenses or running a business, GBT has a checking account to help you bank smart and stay in control.
Personal Checking Options at GBT
CashBack Checking
Looking for rewards? CashBack Checking earns 1% cash back on signature-based debit card purchases, up to $30 per statement cycle.
- Open with: $100
- Monthly fee: $5 (waived if daily balance is $100 or more)
- Includes free online banking, mobile banking, and bill pay
This account is great for customers who frequently use their debit card for in-store or online purchases processed as credit.
GBT Hometown Rewards Checking
Want to earn interest and get ATM refunds? This account is for you.
- Open with: $100
- Monthly fee: $9.99 (waived with $500+ daily balance)
- Earn up to 1.75% APY on balances up to $15,000
- Get up to $30 in nationwide ATM fee refunds
- Requirements:
- 15 debit card point-of-sale transactions
- 1 direct deposit or recurring ACH
- eStatements enrollment
Consumer Money Market
Need a higher interest rate and low transaction volume?
- Open with: $1,000
- Monthly fee: $9.99 (waived with $1,000+ daily balance)
- Interest-bearing (tiered)
- Limited to 3 withdrawals per cycle
Great for savers who want interest earnings and checking access.
GBT Shield Money Market
Offers more flexibility than a traditional money market.
- Open with: $2,500
- Monthly fee: $9.99 (waived with $2,500+ daily balance)
- Interest-bearing, compounded monthly
- 3 withdrawals allowed per cycle
Perfect for customers who want a blend of savings growth and spending access.
GBT Gold Medallion Account
Maximize your returns with a premium interest account.
- Open with: $5,000
- Monthly fee: $10.99 (waived with $5,000+ daily balance)
- Tiered interest rates, free GBT checks, and full digital access
This option is ideal for individuals or nonprofits maintaining higher balances.
Business Checking Options at GBT
Small Business Checking
Designed for growing businesses with moderate transaction needs.
- Open with: $100
- Monthly fee: $9.99 (waived with $2,500+ daily balance or $15,000 combined deposits)
- 250 free withdrawals per cycle; $0.25 each thereafter
A great fit for local entrepreneurs looking for control and flexibility.
Commercial Analysis Checking
Best for businesses with high activity and Treasury Management needs.
- Open with: $100
- Monthly fee: $10 analysis charge (offset by earnings credit)
- Unlimited transactions
- Includes Treasury Management support
Commercial Plus Business Money Market
Earn more while keeping your funds accessible.
- Open with: $2,500
- Monthly fee: $9.99 (waived with $2,500+ balance)
- Interest-bearing with 6 withdrawals per cycle
Commercial Shield Money Market
Premium savings for established businesses.
- Open with: $10,000
- Monthly fee: $9.99 (waived with $10,000+ balance)
- 3 withdrawals allowed per cycle
- Higher interest rates for larger balances
Comparing Your Options
When choosing the right account, consider:
- Minimum balance requirements
- Monthly fees
- Interest earnings
- Reward options
- Your spending habits
If you prioritize debit card usage, CashBack Checking might be best. Prefer high interest? GBT Hometown Rewards is ideal. Business owners with higher transaction volumes may benefit most from Commercial Analysis Checking.
How to Open an Account with GBT
Getting started is simple:
- Online: Open your account at https://gbt.bank
- In-Branch: Visit any location in Gibsland, Minden, Bossier City, Ruston, and more
Bring:
- A valid ID
- Your signed Social Security card or a secondary form of identification
- Your opening deposit
Switching Is Easy
Moving your account to GBT? We make it stress-free with our account switch kit. We’ll help you:
- Transfer direct deposits
- Update recurring payments
- Close your old account and move your balance
Frequently Asked Questions
- What’s the minimum deposit to open a GBT checking account?
Most accounts start at just $100. Premium options require higher amounts. - Can I earn rewards on debit card purchases?
Yes! CashBack Checking offers 1% cash back on signature-based purchases. - Which GBT account pays the highest interest?
Hometown Rewards Checking offers up to 1.75% APY on qualifying balances. - Does GBT refund ATM fees?
Yes, Hometown Rewards refunds up to $30 in ATM fees per month. - How do I avoid monthly service charges?
Keep the required minimum balance or meet qualifying criteria (like debit usage and eStatements). - Can I open a business account online?
Most business accounts must be opened in person. Contact your local branch for help. - Which account is best for small businesses?
Small Business Checking includes 250 free transactions and waived fees if qualifications are met. - Do all accounts include digital banking?
Yes, all GBT checking accounts offer free online and mobile banking with bill pay. - Is mobile deposit available?
Yes! Use the GBT Mobile app to deposit checks anytime. - How do I switch to GBT?
Visit any branch or request our switch kit. Our team will guide you step-by-step.
Ready to open your new account? Visit https://gbt.bank or stop by your local branch today to get started.