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!

Millennial couple smiling over coffee while camping together in central Minnesota

Minnesota Nice.
Worldwide Perks.

Free ATMs.1 Debit card rewards. So much more. When it comes to better banking, it’s just the beginning.

Choose My Account

Benefits in Your Back Pocket.

Debit Card Rewards

Travel. Cash back. Gift cards.
It's totally free to earn rewards!

Mobile Banking

Enjoy 24/7 banking and mobile deposit at your fingertips.

Early Paydays2

Get paid up to two days early with direct deposit.

Online Banking

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

Sealy sunrise light-up alarm clock with LED display, available as a free gift for new checking customers and referrals

Free Gift for You!

It’s all yours! For a limited time only, receive this exclusive gift3 when you open a new checking account with Gate City Bank.

Choose My Account

So Come on Over!

Stop by any of our convenient locations in central Minnesota. We’d love to give you a warm welcome!

1 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.

2 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.

3 Gate City Bank reserves the right to substitute any gift for one of similar value.