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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!

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.

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!

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.

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.