Due to current weather conditions, and for the safety of our customers and team members, our Park River location will be closed today, Wednesday, February 18. We're here to help! Contact us or access your account information anytime with online and mobile banking.

Group of friends laughing in downtown Fargo, ND, holding sparklers to celebrate opening their new Gate City Bank checking accounts

$50 for You 
and Your Friends!

Coming February 25 – 26

Two days only! Receive $50 when you refer a friend or open a new checking account with us for the first time.

See Special Offer

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.

Small business owner with beard and glasses, sitting at his bar counter and banking on his phone in downtown Fargo, ND

Business Banking

No one does business quite like you. From business checking to loans to treasury management, welcome to business banking – customized for the way you work.

Financial Education for Every Stage.

A young woman smiles while preparing to buy a new a car, happy with her decision to finance through a bank loan in Fargo, ND
Estimated read time: 3 minutes

Bank Loan vs. Dealership: Insider Tips for Smarter Car Buying

Ready to buy a car? Discover savvy tips to compare bank loans and dealership financing, so you can lock in the best deal and drive away with confidence.

Smiling young women shop with their Gate City Bank debit card.
Estimated read time: 5 minutes

Venmo vs Bank: Why You Still Need a Bank Account

Venmo and other payment apps are convenient for quick transfers, but they’re not designed to replace a bank account. Keeping your money in an FDIC-insured bank gives you protection, interest earnings and added perks that payment apps often can’t match.

A couple works together to plan their holiday budget under the light of a Christmas tree, while their dog lounges between them
Estimated read time: 4 minutes

Your Guide to Creating a Holiday Budget That Works

Creating a simple budget can help you focus on what matters most this holiday season, instead of stressing about overspending.

Gen Z first-time homeowners hug in celebration of finding a mortgage loan term that works for them.
Estimated read time: 5 minutes

Is a 50-Year Mortgage Worth It?

Learn about different types of mortgage loans, how to find the best mortgage for you and how to calculate a mortgage payment.