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Free ATMs.1 Debit card rewards. So much more. When it comes to better banking, it’s just the beginning.
Travel. Cash back. Gift cards.
It's totally free to earn rewards!
Enjoy 24/7 banking and mobile deposit at your fingertips.
Get paid up to two days early with direct deposit.
Check your balance, pay bills and more from virtually anywhere.
Purchase a home with little to no down payment with our innovative program, exclusively for Minnesota residents.
Travel. Cash back. Gift cards. Whatever you love, it’s easy to earn rewards every time you use your debit card. And it’s totally free!
Sweet deals. Exclusive discounts. Come see what’s new this month, just for Gate City Bank customers.
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 Offer valid March 17 – 31, 2026. Not valid with other checking offers. Customer must be a first-time Gate City Bank checking customer and at least 10 years of age, and account must be opened in person at Gate City Bank locations in Alexandria, Elk River, Fergus Falls, Sauk Rapids, St. Cloud and Waite Park. $200 will be deposited into qualifying accounts by June 1, 2026; recipients will receive a 1099-INT or 1042-S form. Account must be open and maintain a positive balance to receive the credit. $50 minimum deposit to open, and $200 bonus does not count toward minimum deposit. Gate City Bank reserves the right to decline opening an account based on account opening criteria, type of referral source or applications opened outside of North Dakota and Minnesota.
3 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.
