How does Payday Your Way work?

Absolutely not! Payday Your Way comes free with your Gate City Bank checking account.

This largely depends on when we receive a deposit notice from your employer or other payers. As soon as we receive that notification (except on Sundays or federal holidays), we’ll make the funds available to you!

If you have questions, please contact us and a team member will be happy to help you!

Yes! Simply stop by your nearest Gate City Bank location, or give us a call at 800-423-3344 and we'll assist you with this request right away.

The day a deposit shows up in your account largely depends on how it’s deposited:

• In person: When made during regular business hours, deposits will often show up in your account right away. However, there are certain cases where the wait time may vary.
  • For example, if you’ve deposited over $5,525 in checks in one day, the remaining funds could take up to seven business days to show up.
• Mobile deposit: As long as your deposit is under the $5,000 limit, once it has been accepted, funds are generally reflected in your account within one business day.
• Domestic direct deposit: Funds are typically available the same day we receive them.
• Night drop: Any deposit made using the night drop after business hours will typically be completed at the beginning of the next business day (unless it’s a holiday).
• Business remote deposit capture: These deposits typically post to an account within one business day.

If you have questions about when your deposit will post to your account, please contact us. We will be happy to assist you!