a joyful and confident female business owner looks on and reflects on the benefits of Gate City Bank’s positive pay service

Keep Fraud in Check With Positive Pay.

As a business owner who regularly pays vendors, employees and others, it’s crucial to protect yourself from fraud. With our positive pay options, we make it simple to safeguard your business with an added layer of security – tailored to your needs.

Talk With a Banker

Positive Pay Personalized for You.

Choose from a comprehensive suite of positive pay options, carefully customized for you and your needs.

  • Check monitoring

    When checks are presented for payment, we’ll compare them as they clear, identifying any immediate discrepancies. From there, you can quickly review any findings and determine if they should be paid or returned.

  • Payee matching

    Stay protected against check washing and similar forms of payment-alteration fraud, which are on the rise. We’ll optimize and expand your protection parameters to match potentially fraudulent payees – flagging them in real time.

  • ACH monitoring

    Without the right resources, keeping track of multiple ACH batches can be a challenge. We’ll constantly monitor your payments and flag any anomalies with robust safeguards, ensuring your transactions are both legitimate and authorized.

More Resources for Your Business.

curly-haired woman taps her debit card to pay for a latte at a Grand Forks, ND, coffee shop using Gate City Bank merchant services

Merchant Services

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.

Silver-haired businessman in Grand Forks, ND, smiling while managing ACH origination and payment processing on his company tablet

ACH Origination

Better cash flow. Lower costs. Securely manage your direct deposits for employees, vendor payments and more with all-in-one ACH origination and payment processing.

Two professionals in downtown Fargo, ND, laughing and talking while making a remote deposit from the office after business hours

Remote Deposit Capture

With remote deposit capture, you can save time and securely deposit your checks electronically right from your business location.