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Merchant Services

  • Business Banking

Accept credit cards, debit cards and digital payments for your business! Welcome to simple and secure point-of-sale (POS) systems, mobile processing and more – backed by local support.

BetterLife™ Student Loan

  • Loans > Personal Loans

Are your student loans holding you back from buying a home? Learn how our unique program could help you pay off your student loans faster with no fees and fixed interest rates. Say hello to future planning!

Preferred Perks Checking

  • Checking and Savings > Checking

More perks. More protection. More value. From 24/7 telehealth to credit monitoring to eVets services, welcome to an all-in-one checking account with extra benefits beyond banking.

Mortgage Rate Match Guarantee for Homebuyers

  • 03-30-26
  • Press Release

Our mortgage rate match guarantee helps homebuyers move forward with confidence and peace of mind. Learn how it works!

Gate City Bank Reaches $1 Million Milestone for Giving Hearts Day

  • 01-20-21
  • Press Release

Did you know that we’ve donated more than $1 million to Giving Hearts Day nonprofits that play critical roles in surrounding communities? Learn more!

Inspirational Takeaways From Women’s Leadership Event

  • 04-09-26
  • Press Release

Gate City Bank’s Connecting Women Leaders event sparked powerful conversations as Fargo‑Moorhead area women shared real stories, bold lessons and inspiring takeaways that shaped their leadership journeys.

Securing $850K for Affordable Housing in ND & MN

  • 04-05-24
  • Press Release

Learn how we partnered with one of the nation’s leading financial cooperatives to secure $850,000 for local affordable housing!

Kim Settel

  • Our People > Team Member Stories

From the time Kim Settel was a little girl, her dad always knew she was destined for great things. Ultimately, their special bond led to the career of a lifetime – and a better way of life for many.

Hospice of the Red River Valley

  • Our Community > Featured Stories

Gate City Bank provided a $16 million, low-interest line of credit with no fees to build a state-of-the-art house for Hospice of the Red River Valley!

Mortgage Rate Relief Program Offers Up to 1.5% Savings

  • 02-26-26
  • Press Release

Looking for lower rates or mortgage assistance? For a limited time, qualifying homebuyers can apply for our Mortgage Rate Relief program with special reduced rates.