Totally Free Checking.
Totally You.

¹ No maintenance or activity fees. Other fees, including overdraft fees, may apply. Please see our Schedule of Fees for details.

² Offer valid October 8-9, 2026. Not valid with other checking offers. Customer must be a first-time Gate City Bank checking customer and at least 10 years of age. $200 will be deposited into qualifying accounts by December 9, 2026; recipients will receive a 1099-INT or 1042-S form. Account must be open and maintain a positive balance to receive the credit. $50 minimum deposit to open, and $200 bonus does not count toward minimum deposit. Gate City Bank reserves the right to decline opening an account based on account opening criteria, type of referral source or applications opened outside of North Dakota and Minnesota.

³ No purchase necessary to enter or win. Current customers, age 18 or older, who refer a friend who opens a new, first-time Gate City Bank checking account October 8-9, 2026, will automatically be entered for a chance to win one of four $2,500 cash prizes. To enter by mail, send your name, mailing address and phone number to Gate City Bank, Attention: Drawing Entry, P.O. Box 2847, Fargo, ND 58108. Mailed entries must be postmarked by October 9, 2026. Limit one entry per person. Winners will be selected by random drawing and notified by a Gate City Bank representative on or near October 23, 2026, using the contact information provided on the official entry form. Winners will be responsible for claiming their prize within 30 calendar days of the date of which the bank representative first attempted to contact them.

⁴ Your direct deposit will generally be accessible the same day we receive it, up to two days early.

⁵ Available to individuals ages 18 or older upon approval of account opening. Access to features may be subject to additional terms and conditions and is subject to change.

⁶ Enjoy free access at any Gate City Bank ATM, as well as at over 85,000 MoneyPass® and Allpoint® operated ATMs worldwide. Personal checking customers can receive up to $250 in automatic fee refunds at out-of-network ATMs per year with a Preferred Perks or Premium Interest Checking account or up to $150 in automatic fee refunds with a Totally Free Checking or BankOn Checking account.

⁷ Benefits are available to personal checking account owner(s) and joint account owners subject to the terms and conditions for the applicable Benefits. Some Benefits require authentication, registration and/ or activation. Benefits are not available to a “signer” on the account who is not an account owner or to businesses, clubs, trusts, organizations and/or churches and their members, or schools and their employees/students.

⁸ Available for the primary account holder and their spouse/domestic partner and up to six dependent children age 2 and older. This is not insurance.

⁹ Medications may only be prescribed where allowed by law. In certain states, a Veterinary-Client-Patient-Relationship (VCPR) must be established to diagnose and treat patients through eVets, and only advice and virtual veterinary triage may be provided without a VCPR.

** Estimated value based on approximate monthly costs or savings for similar marketplace benefits and subject to change. Benefits and features may vary and may not necessarily reflect the exact features offered through Preferred Perks Checking Account. No cash value is implied with the use of this account or any of its features.

* Registration/activation required.