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As a warm welcome, receive a free gift when you open a new checking account with us. Refer a friend, and you’ll BOTH get a free gift!

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What Brings You Here Today?

Checking Accounts

Choose the perfect account for you, complete with free perks.

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.

Students learn hands on at St. Monica’s Montessori in Fargo, ND, thanks to Gate City Bank’s help during a child care shortage

Investing $10M to Alleviate a Child Care Shortage

Learn more about how we’ve invested $10 million through our BetterLife™ Child Care Business Loan to meet essential daycare needs in our communities.  

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!

Laughing couple hugging on a windy beach after redeeming Gate City Bank debit card reward points for free airfare

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 couple on a couch with their laptop, comparing the perks of a Gate City Bank debit card vs credit card

Debit Card vs. Credit Card: Which Is Best?

Credit card vs. debit card: Which is the safest spend? Learn more about how they compare to make the best spending decisions.

a happy mother holds her young daughter in front of a motorhome after reading Gate City Bank’s tips for buying an RV
Estimated read time: 3 minutes

5 Essential Tips for Buying an RV

Thinking about buying an RV? Discover five expert tips for finding an option that fits your lifestyle and budget!

happy young woman in a white shirt drives around after learning tips for buying a car with bad credit and improving her score
Estimated read time: 3 minutes

Buying a Car With Bad Credit: 5 Ways to Move Forward

Thinking about buying a car with bad credit? Take your time! Explore tips for saving money for a down payment, improving your credit score, considering a cosigner and more.

a happy couple pauses from a home project to hug after reading Gate City Bank’s article on a home equity loan vs. HELOC
Estimated read time: 4 minutes

Home Equity Loan vs. HELOC: 5 Factors to Consider

Explore the pros and cons of choosing a home equity loan or HELOC for repairs, renovations and more.