Anytime. Anywhere! Download our mobile app today, and enjoy convenient banking wherever you go!

man in a beanie laughing as he refers a friend, telling him all about the perks of checking with Gate City Bank

Friends Tell Friends About Better Banking.

From checking and savings accounts to mortgages and simply better lending, we promise to be a bank you can stand behind – and tell your friends about.

Get Rewarded for Telling Everyone.

We’re committed to providing you with innovative products, local servicing and dedication to support the communities where we live and work. And when you tell your family and friends about banking with us, and they open a new checking account – you’ll reap the rewards.

Each time a new checking account is opened and your name is referenced, you’ll receive a free gift as our way of saying thank you for your referral. More referrals? Great, you had better make room for more free gifts1 because they’re comin’ home with ya!

Or save up five referral coupons and have $502 placed in your checking account. We’re here to make it easy for you – and reward you how you like it.

Free checking gift – red and black buffalo plaid sherpa blanket wrapped in a bundle with a small tag

Oh, the Perks.

With our checking account options suited for all ages, life stages and goals, you’ll find referring friends to better banking is easy because all accounts include:

  • Access to account information online or with our mobile app

  • Debit card rewards

  • The ability to freeze your account with debit card controls

  • Free custom debit card designs

  • Eligibility for check and debit card buyback when you switch to Gate City Bank

happy couple looking at phone and enjoying better checking with Gate City Bank

Checking Accounts Made Simple.

Whether you’re opening your first checking account or looking for a more niched option, we offer a variety of accounts to fit any lifestyle.

two happy male skateboarders sit on bench and enjoy debit card rewards on phone

Debit Card Rewards

When you use your Gate City Bank debit card, you’ll earn 1 point for every $2 you spend, then redeem points for gift cards, cash back, airfare and more. It’s easy and free, and we’ll even gift 1,000 bonus points to you when you sign up for uChoose® Rewards!

four happy young professionals sit on park bench with devices and enjoy online banking

Online Banking

Wherever life takes you, we make it easy to check your balance, set custom controls, pay bills and more – anytime, anywhere.

three excited women in sunglasses sitting in a new car, embarking on a road trip thanks to Gate City Bank personal loans

Personal Loans

Drive home that perfect car, take out the boat, get away in your ice house or plan the other escape you’ve been dreaming of! You’ll experience low rates, flexible terms and thoughtful lenders who guide you every step of the way.

dancing group of young people with confetti, celebrating bank promotions and special offers from Gate City Bank

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.

1 Gate City Bank reserves the right to substitute an item of similar value.

2 Ope! This will be subject to 1099 reporting.