Introducing our NEW Mortgage Rate Relief Program, offering rates approximately 2% lower than current market rates to eligible homebuyers. Find out more!

Mom with her young daughter, drilling into new deck materials purchased with a Gate City Bank home equity loan

Special Offer for Your Home Projects.

Brighten up your home with competitive rates and no closing costs – only for a limited time!

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What Brings You Here Today?

Checking Accounts

Enjoy free ATMs worldwide with local banking you can trust.

Online Banking

Check your balance 24/7, pay bills and more from virtually anywhere.

Home Loans

Buying. Building. Refinancing. Let’s get you home.

Auto Loans

Competitive rates. Local service. We’ll make it quick and easy to get rolling!

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Current Promotions

At Gate City Bank, you'll receive exclusive bank offers and promotions on loans, accounts and gifts! Keep checking back for the latest and greatest deals.

a large group of blue-shirted Gate City Bank mortgage team members huddle around the NDHFA Affordable housing Award for 2023

Earning the North Dakota Affordable Housing Award From NDHFA

Learn why we’ve earned North Dakota Housing Finance Agency’s Affordable Housing Award for multiple years!

are cds worth it


With competitive rates and varying term options, our CDs are perfect for any life stage. Earn competitive rates easily when you open a CD with Gate City Bank!

Laughing couple hugging on a windy beach after redeeming Gate City Bank debit card reward points for free airfare

Debit Card Rewards

Travel. Cash back. Gift cards. Whatever you love, it’s easy to earn rewards, just by using your Gate City Bank debit card. And it’s totally free!

Financial Education for Every Stage.

a happy couple chats with an advisor after learning about ways to cut home insurance costs from Gate City Insurance Agency

9 Practical Ways to Lower Home Insurance Costs

From bundling policies to boosting credit, check out these nine helpful tips for lowering your home insurance costs!

a happy woman holding a credit card & tablet sits on her couch after learning 5 ways to consolidate debt from Gate City Bank

5 Ways to Consolidate Debt & Take Charge of Your Finances

From merging multiple balances into a single loan to leveraging your home’s equity, we’ve assembled five basic ways to consolidate debt and improve your financial wellness.

a happy male insurance advisor talks with clients after going through Gate City Bank’s annual insurance coverage checklist

4 Types of Insurance Coverage to Review Annually

Our insurance checklist covers the top four types of coverage to chat with your advisor about each year.

: a service member sits and smiles at the camera at home after learning about financial military benefits from Gate City Bank

7 Financial Military Benefits for Service Members

Active duty? Retired veteran? Check out these seven financial benefits you may have access to!