Millennial couple smiling over coffee while camping together in central Minnesota

Minnesota Nice.
Worldwide Perks.

Free ATMs. Debit card rewards. So much more. When it comes to better banking, it’s just the beginning.

Choose My Account

Benefits in Your Back Pocket.

Free ATMs Worldwide

Anytime. Anywhere.
Forget the fees!

Mobile Banking

Enjoy 24/7 banking and mobile deposit at your fingertips.

Early Paydays1

Get paid up to two days early with direct deposit.

Online Banking

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

three insulated tumbler mugs with handles, available in your choice of colors: rose pink, cornflower blue or sage green

Free Gift for You!

It’s all yours! For a limited time only, receive this exclusive gift2 when you open a new checking account with Gate City Bank.

Open My Account
Happy young woman looking at CD rate specials on her phone in downtown St. Cloud, Minnesota

CD Special Exclusively for You.

For a limited time, open a 6-month CD at 5.75% APY3 – exclusively for Gate City Bank checking customers in your community. Send us a note, or come on in today!

Contact Us for CD Special

So Come on Over!

Stop by any of our convenient locations in central Minnesota. We’d love to give you a warm welcome!

1 Early paydays! Isn’t that neat? Your funds will generally be accessible the same day we receive a deposit notice from your payer, up to two days earlier than your scheduled payment. Direct deposit is required, and early access is subject to the payer’s timing in submitting funds.

2 Gate City Bank reserves the right to substitute any gift for one of similar value.

3 Annual percentage yield (APY) effective with a 5.67% interest rate for 6 months. Interest rate and APY are accurate as of December 1, 2023, and are subject to change without notice, at Gate City Bank’s discretion. Minimum balance required to open an account and earn interest and APY is $1,000 for certificates of deposit (CDs). Customers must have a Gate City Bank checking account and reside within a 20-mile radius of Elk River or St. Cloud, MN, to be eligible. An early withdrawal penalty may apply. Limitations on promotional CD rates apply.