Join the GCB x NDSU Homecoming Party!
Thundar, the Gold Star Marching Band, NDSU Cheer Team, food trucks, bouncy houses and more. Plus, the first 500 attendees receive a free NDSU yard sign and Gate City Bank Field squishy!
See event details and RSVP on Facebook.

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How do I change the personal identification number (PIN) for my debit card?

  • Education Resources > Help Center > Debit Card FAQs

Looking to change the personal identification number (PIN) for your Gate City Bank debit card? We’ve got you covered! Learn more.

Can I apply for a home loan without a Social Security number (SSN)?

  • Education Resources > Help Center > Loan FAQs > Mortgage Loans

If you’re new to the U.S., you may use an Individual Taxpayer Identification Number (ITIN) to complete a mortgage application with us. Learn how!

Will I incur a charge or penalty in the event of a mortgage escrow account shortage?

  • Education Resources > Help Center > Loan FAQs > Mortgage Loans

Wondering if a mortgage escrow account shortage comes with a penalty? We’ve got good news for you! Learn more.

What should I do with my refund check from my canceled homeowner’s insurance policy?

  • Education Resources > Help Center > Loan FAQs > Mortgage Loans

If you receive a refund check from your canceled homeowner’s insurance policy, there are a few simple steps you can follow.

What do I need to know about home appraisals?

  • Education Resources > Help Center > Loan FAQs > Mortgage Loans

Want to learn more about home appraisals? Look no further!

If I do not want my surplus refunded, can I keep it in my mortgage escrow account?

  • Education Resources > Help Center > Loan FAQs > Mortgage Loans

Unfortunately, you’re not able to keep your surplus in your mortgage escrow account. We’re happy to explain further. Learn more.

What should I expect during a home appraisal?

  • Education Resources > Help Center > Loan FAQs > Mortgage Loans

The home appraisal process is an essential part of obtaining a mortgage. We outline the details in a way that’s easy to understand! Learn more.

Can I make my tax and insurance payments myself?

  • Education Resources > Help Center > Loan FAQs > Mortgage Loans

Interested in making your home taxes and insurance payments yourself? Learn your options!

Can I make additional payments to my mortgage escrow account to avoid a shortage?

  • Education Resources > Help Center > Loan FAQs > Mortgage Loans

Interested in making additional payments toward your mortgage escrow? We can provide some guidance! Learn more.

What is escrow analysis?

  • Education Resources > Help Center > Loan FAQs > Mortgage Loans

Wondering what an escrow analysis is? We’ve got you covered! Learn more.