I used my debit card at a merchant and it requested my personal identification number (PIN). Is this required?

We’re happy to shed some light on this! Generally, your PIN is not required when performing a point-of-sale (POS) purchase at a merchant. You can usually sidestep this by electing “Credit,” or simply tell the merchant you’d like to elect the credit option to avoid entering your debit card PIN.

If a merchant does require a PIN and you have forgotten it or need to reset it, contact us at 701-293-2400 and follow the prompts.

Related Questions

Not all previously issued Gate City Bank debit cards have the Tap and Pay functionality. If your debit card has the following symbol on the back side, you’re all set, and your current card has the Tap and Pay capabilities!

Tap and Pay Symbol

If not, please reorder your debit card today.

Great news! Many big-box chains, grocery stores, gas stations and other establishments are now accepting Tap and Pay transactions! Just look for this contactless symbol:

Tap and Pay Symbol

Absolutely! Your information is completely safe. Whenever the Tap and Pay option is used, your debit card’s number is replaced by a unique code, encrypting the transaction and ensuring security.

We’re happy to shed some light on this! Generally, your PIN is not required when performing a point-of-sale (POS) purchase at a merchant. You can usually sidestep this by electing “Credit,” or simply tell the merchant you’d like to elect the credit option to avoid entering your debit card PIN.

If a merchant does require a PIN and you have forgotten it or need to reset it, contact us at 701-293-2400 and follow the prompts.

There are a few options available if you would like to update the PIN for your Gate City Bank debit card:

  • Call our Customer Service Center at 800-423-3344.
  • Visit one of our locations and a team member will assist you.
  • Use an ATM located in one of our locations and follow the prompts to update your PIN.

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