Photo of Gate City Bank corporate location in downtown Fargo, ND on a sunny day

Milestones & Moments in Review.

Since 1923, we’ve been at the forefront of innovative and transformative banking. We’re honored to continue leading the way toward a better way of life, remaining dedicated to improving the lives of our customers, communities and team members in each moment that matters.

First checking accounts. Local car loans. Confident homebuying. We’re proud to serve communities across North Dakota and central Minnesota with unique financial solutions.

The dedication of our team members makes all the difference. Industry-leading team member benefits are testament to our culture, brought to life by our commitment to investing in the best. Come see why we’ve received Prairie Business’ Best Place to Work for the past 11 years!

Better banking starts with the best customers. You motivate us, drive our purpose and push us to grow. Your trust inspires us every day, and the awards we’ve earned year after year are a reflection of the confidence you place in our legacy.

Through charitable giving and volunteering, we’re building stronger communities because it’s who we are. Our partnerships and community initiatives make a lasting impact, create invaluable partnerships and support the places we call home.

Business checking, loans, cash management services and more. We offer local expertise and impactful products, customized for the way you work.

As a mutual bank, we put our customers and communities first. And having received an award for being the best from BauerFinancial for the past 29 consecutive years, we’ve established ourselves as a bank our customers can depend on.

With unique new construction options like flex loans and rate locks up to 18 months, we make homebuying easier. Our checking accounts come with great perks, including early paycheck access1 and debit card rewards. We’re not just making banking easier: we’re transforming the way you bank.

Gate City Bank’s headquarters at sunrise in downtown Fargo, ND

More Than a Century in the Making.

Since 1923, we’ve been making history – thanks to you! Come enjoy a look back through the decades, and see what’s next on the horizon.

See Our Story

There’s More to Our Story!

Smiling curly-haired woman in Fargo, ND, relaxing on her bed with her dog after choosing her best checking account

Checking

With debit card rewards, easy mobile banking and more perks, our checking accounts are perfect for any lifestyle. Compare options to find the right one for you!

Loving mom touches noses with her preschool age daughter in a new kitchen, thanks to a Gate City Bank home loan in Fargo, ND

Home Loans

From competitive interest rates to local service down the street, discover why we’re the #1 mortgage lender in North Dakota.

Three happy friends in Fargo, ND, heading out for a road trip thanks to an easy auto loan with Gate City Bank

Auto Loans

Cruise toward better auto loan rates! When you buy or refinance a vehicle with us, you’ll enjoy low rates and a simple process. Time to get started with us, and hit the open road!

happy group cuts ribbon with scissors for West Fargo Eats ceremony

Philanthropic Giving

At Gate City Bank, giving back to the communities where we live and work is at the core of who we are. Learn about all the innovative ways we’re making a difference throughout North Dakota and central Minnesota.

1 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.