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Special Offer for
Our Nation’s Finest.

With gratitude for your service, we’re honored to offer exclusive savings for veterans and those currently serving – only for limited time!

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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.

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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 smiling woman works on her laptop on her apartment floor while staying protected from tax scams with Gate City Bank
Estimated read time: 5 minutes

How to Avoid Tax Scams & Safeguard Your Finances

Tax scams continue to evolve. Learn about the IRS Dirty Dozen for 2026, common warning signs and ways to help protect your personal and financial information.

Young man enjoying Gate City Bank’s Credit Score Simulator after opening a Preferred Perks Checking account in Fargo, ND.
Estimated read time: 4 minutes

See How Financial Choices Could Affect Your Credit Score

Explore different financial scenarios and see how certain changes might affect your credit score using Gate City Bank’s Credit Score Simulator.

Husband smiles at his wife while going through their mortgage pre-approval checklist from Gate City Bank on a laptop
Estimated read time: 4 minutes

Mortgage Pre-Approval Checklist

Ready to get pre-approved? From recent pay stubs to W-2s, here’s a list of what you’ll need.

A young woman shows her friend the Gate City Bank app spending tool while sitting on her front porch steps in Fargo, ND
Estimated read time: 4 minutes

How to Quickly Review Your Spending Habits

Take a quick look at where your money goes and uncover spending patterns that may be holding you back.