What can we help you find?
Processed at the top of every hour, account alerts can easily be set up through online banking or our mobile app to track information like the following:
Great question! Online banking supports regular and principal-only loan payments made from a Gate City Bank checking or savings account. You can make a payment using a checking or savings account at another financial institution using external transfers.
When making a transfer to a loan, you’ll have the following options:
Please note: You must make your regular payment before paying an additional amount to the principal. You may receive an error message if you attempt to make a principal-only payment before making your regular payment on a mortgage loan.
To help keep your online banking secure, non-U.S. phone numbers won’t be eligible to receive one-time passcodes by default. However, these numbers can be added to personal accounts by contacting our team.
Authenticator apps are another helpful way to complete a login during foreign travel. By generating unique, time-sensitive codes, these apps help ensure that only you can access your account, providing enhanced protection that allows you to manage your finances confidently and securely.
Using a browser, you can integrate an authenticator app into Gate City Bank’s online banking by navigating to “Tools,” then selecting “Settings” and “Security.”
For your peace of mind, you can rest assured that your balances, transfers and transaction history in online banking are live and up-to-date within 10 minutes of your latest activity.
Great question! The current balance is the amount of money that is actually in your account at any given time. It reflects only transactions that have posted to your account, not authorized transactions that are pending. The available balance is the account balance minus any funds preauthorized or held (such as outstanding debit card transactions or deposited check holds).
A pending item is a transaction that hasn’t been fully processed yet, such as a debit card purchase. It typically posts to your account within one to two business days, as determined by the merchant.
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