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Free ATMs.1 Debit card rewards. So much more. When it comes to better banking, it’s just the beginning.
Enjoy rates as low as 4.49% APR2 on a home equity loan when you have a checking account with us – exclusively in Alexandria, St. Cloud, Sauk Rapids, Waite Park and Elk River. Stop in to apply today!
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 Other terms and conditions may apply, and rates are subject to change. An appraisal at borrower's expense may be required. Customer must be a Gate City Bank personal checking customer and loan must be opened in person at Gate City Bank locations in Alexandria, Waite Park, Sauk Rapids, St. Cloud and Elk River between May 15 – July 15, 2026. New, first-time checking accounts must be opened prior to loan approval and customer name on checking account must match at least one owner listed on the loan. Address securing the loan must be located within a 20-mile radius of the Gate City Bank location in Waite Parke, Sauk Rapids, St. Cloud or Alexandria or a 15-mile radius of the Elk River location. 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 ND and MN. Offer not valid on lines of credit.
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.
