Smiling mom and her daughter holding foam rollers, painting a white room while remodeling their home in Fargo, ND

Home Projects?
Let's Roll.

Brighten up your home with rates as low as 6.94% APR and no closing costs – only for a limited time!1

See Special Offer

What Brings You Here Today?

Checking Accounts

Enjoy free ATMs worldwide with local banking you can trust.

Online Banking

Check your balance 24/7, pay bills and more from virtually anywhere.

Home Loans

Buying. Building. Refinancing. Let’s get you home.

Auto Loans

Competitive rates. Local service. We’ll make it quick and easy to get rolling!

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Current Promotions

At Gate City Bank, you'll receive exclusive bank offers and promotions on loans, accounts and gifts! Keep checking back for the latest and greatest deals.

a large group of blue-shirted Gate City Bank mortgage team members huddle around the NDHFA Affordable housing Award for 2023

Earning the North Dakota Affordable Housing Award From NDHFA

Learn why we’ve earned North Dakota Housing Finance Agency’s Affordable Housing Award for multiple years!

are cds worth it

CDs

With competitive rates and varying term options, our CDs are perfect for any life stage. Earn competitive rates easily when you open a CD with Gate City Bank!

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Debit Card Rewards

Travel. Cash back. Gift cards. Whatever you love, it’s easy to earn rewards, just by using your Gate City Bank debit card. And it’s totally free!

Financial Education for Every Stage.

Laughing businesswoman in a gray suit, talking on the phone with her Gate City Bank business banker in downtown Fargo, ND
Estimated read time: 3 minutes

Navigating Business Debt: Finding the Right Balance

The balance between healthy and harmful business debt is crucial to your success. Learn about common red flags to avoid, plus see four simple strategies for managing your debt.

Curly-haired woman using her Gate City Bank mobile app beside her boyfriend on a green couch inside their North Dakota home
Estimated read time: 3 minutes

5 Simple Tips for Secure Mobile Banking

See five ways to help protect your personal information. Plus, learn how mobile banking apps with advanced features can strengthen your security and your experience.

a happy woman holding a credit card & tablet sits on her couch after learning 5 ways to consolidate debt from Gate City Bank
Estimated read time: 5 minutes

5 Ways to Consolidate Debt & Take Charge of Your Finances

From merging multiple balances into a single loan to leveraging your home’s equity, we’ve assembled five basic ways to consolidate debt and improve your financial wellness.

: a service member sits and smiles at the camera at home after learning about financial military benefits from Gate City Bank
Estimated read time: 3 minutes

7 Financial Military Benefits for Service Members

Active duty? Retired veteran? Check out these seven financial benefits you may have access to!

1 Applications must be submitted October 1 – December 31, 2024. Other terms and conditions may apply. Offer not valid on Gate City Bank lines of credit. An appraisal at borrower’s expense may be required. The closing cost discount will be reflected on closing disclosure.