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Our Mortgage Rate Relief Program is back, offering rates approximately 1.5% lower than current market rates to eligible homebuyers. Find out if you qualify today!

Group of young friends in jeans and hoodies, laughing and walking to their nearest Gate City Bank location in Fargo, ND

$100 for You and Your Friends!1

Two days only! Get $1001 when you refer a friend or open a checking account with us for the first time, exclusively April 23‑24.

Open My Account

Curly-haired young woman kissing her terrier and taking a selfie outside her nearest Gate City Bank

Free $1001 for New Customers.

It’s yours when you open a checking account with us for the first time – only Wednesday, April 23 and Thursday, April 24!

Come on in, give us a call or open your personal account online. It only takes 10 minutes or less.

Get My $100
Small business owner smiling while using online banking for his business in downtown Fargo, ND

Free $1001 for Businesses.

Receive $1001 when you open a new business checking account April 23-24, too! Choose from simple, nonprofit or complete options for your growing business.

Call 701-293-2400, or stop into any convenient location near you!

Find My Nearest Location
Five happy teens with arms around each other, getting ready to open student banking accounts

Free $1001 for Friends.

Already have a checking account with us?

Tell a friend, and you'll BOTH receive $1001 when they open a new account April 23-24. There’s no limit, so tell as many friends and co-workers as you’d like.

Share With a Friend

Two millennial women laughing over coffee, earning points at a local café thanks to Gate City Bank debit card rewards

And So Much More.

When it comes to the benefits of better banking, we’re just getting started!

  • Debit card rewards
  • Free ATMs2
  • Early paydays3
  • Easy mobile banking and more
See More Perks

1 Offer valid April 23-24, 2025. Not valid with any other checking account offers. Customer must be a first-time Gate City Bank personal or business checking customer and at least 10 years of age. $100 will be deposited into the new customer’s account and the referrer’s account by June 24, 2025; recipients will receive a 1099-INT or 1042-S form. Account must be open and maintain a positive balance to receive the credit. $50 minimum deposit to open, and $100 bonus does not account toward minimum deposit.

2 Enjoy free access at any Gate City Bank ATM, as well as at over 85,000 MoneyPass® and Allpoint® operated ATMs worldwide. Personal account customers can receive up to $250 in automatic fee refunds at out-of-network ATMs per year. Please see our Schedule of Fees for details.

3 Early paydays! Isn’t that neat? Your funds will generally be accessible the same day we receive a deposit notice from your payer, up to two days earlier than your scheduled payment. Direct deposit is required, and early access is subject to the payer’s timing in submitting funds.

Welcome to Better Banking.

Debit card rewards. 24/7 mobile and online banking. And so much more. Let’s get you started with an account, personalized for you!

Open Checking Account