Alpha Guaranty Trust Bank – Checking & Personal Accounts

At Alpha Guaranty Trust Bank, we believe your money should work for you. That’s why we’ve designed a variety of checking accounts tailored to fit your lifestyle, whether you’re a student, professional, retiree, or business owner.

Classic Checking

Our most popular everyday account.

  • Unlimited check writing

  • ATM card access & direct deposit options

  • Maintain just £100 to avoid the £15 monthly fee

  • Minimum opening deposit: £100

EasyPay Checking

Perfect for customers with payroll deposits.

  • Monthly service fee waived with direct deposit

  • Unlimited check writing

  • No minimum balance requirement

  • ATM card included

55+ Checking

Special benefits for customers aged 55 and over.

  • No monthly fees, no minimum balance

  • Unlimited check writing

  • Free first order of checks

  • Direct deposit & automatic transfers available

Freedom Checking

More flexibility and added perks.

  • Maintain a £2,000 combined balance (checking + savings) to avoid £15 monthly fee

  • Free ATM withdrawals at partner locations

  • Free money orders & treasurer’s checks

  • Reduced loan rates and 50% off safe deposit rental

  • Free first order of checks

Freedom NOW Checking

Freedom Checking plus added interest.

  • Maintain a £3,000 combined balance to avoid £15 monthly fee

  • Competitive interest earnings (minimum £1,000 balance required)

  • All perks of Freedom Checking included

Premier Choice Checking

For clients who want higher returns.

  • Competitive interest rates with unlimited check writing

  • Minimum opening deposit: £10,000

  • Balances under £10,000 subject to £20 monthly fee

NOW Interest Checking

  • Earn interest with a minimum £1,000 balance

  • Unlimited check writing

  • ATM and direct deposit included

  • £15 monthly fee if balance falls below £1,000

Essential Checking

For light users who write fewer checks.

  • Up to 8 checks per month included

  • Only £3 monthly fee

  • Opening deposit: £50

  • £0.50 charge per check above the monthly limit

Student Checking (Ages 16–23)

Designed to give students financial freedom.

  • Minimum opening deposit: £25

  • No monthly fees

  • Visa Debit Card, free online & mobile banking

  • Free first order of checks

  • ATM withdrawals at Alpha GTB ATMs are free

  • Must show student ID or proof of enrollment

  • At age 24, account requires £100 balance to avoid monthly fee

Debit Cards

Bank anywhere, anytime.

  • Accepted at over 12 million locations worldwide

  • Make purchases, transfers, and deposits instantly

  • Text fraud alerts for added security

  • After-hours support available on +44 617-575-9129

  • Access perks like UChoose Rewards and Card Valet

Money Market Accounts

A smarter way to save and earn.

  • Competitive market interest rates

  • Unlimited check writing & transfers

  • No service charge with £1,000 minimum balance

At Alpha Guaranty Trust Bank, we combine trust, innovation, and convenience so you can bank with confidence.

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