Where can I find a free ATM near me?

Good question! Effective January 1, 2025: Personal account customers receive up to $250 in automatic fee refunds at out-of-network ATMs per year. These fees are automatically refunded immediately following the posting of the ATM transaction to your account. 

As a personal or business customer, you can also enjoy free access at any Gate City Bank ATM, as well as at over 85,000 MoneyPass® and Allpoint® operated ATMs worldwide. Please see our Schedule of Fees for details.

Effective January 1, 2025: As a personal or business customer, enjoy free access at any Gate City Bank ATM, as well as at over 85,000 MoneyPass® and Allpoint® operated ATMs worldwide.

Gate City Bank also automatically refunds fees at out-of-network ATMs for personal account customers (both checking and savings) up to $250 per year. There’s no need to provide any receipts!

Great question! When you use your personal identification number (PIN) to perform an ATM transaction or point-of-sale (POS) transaction, they will generally post to your account immediately. If you elect “Credit” and then sign for a POS transaction, it will usually post to your account within a few days.

For instances where there are multiple owners on an account and a specific purchase or ATM withdrawal needs to be identified, the last four digits of the related debit card number will display with each transaction on your monthly account statements, online banking and the mobile app.

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.