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Easy checking. Friendly service. Local loans.
Welcome to banking that always feels like home, complete with 45 convenient locations across North Dakota and Minnesota.
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| Totally Free1 Checking | Benefit Interest Checking | Premium Interest Checking | BankOn Checking | |
| Open My Account | Open My Account | Open My Account | ||
| Minimum to Open | $50 | $50 | $50 | $25 |
| Monthly Service Charge | None | None | $8 if balance is less than $1,000 | $5 for customer age 24+ |
| Earn Interest |
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| Free ATMs2 |
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| Debit Card Rewards |
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| Free Custom Debit Card Designs |
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| Free Checks |
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| Early Paydays3 |
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| Overdraft Protection Options |
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| Learn more. | Account Details | Account Details | Account Details | Account Details |
Free ATMs2 everywhere you go
Easy mobile and online banking
Paydays up to two days early3
Debit card rewards for gas, groceries and more
Debit cards issued instantly at any location
24/7 fraud protection you can count on
1% rate discount on personal loans with automatic payments from your Gate City Bank account
Free welcome gift and much more!
Not quite sure which account is best for you?
(By the way, we offer business checking, too!)
It’s all yours! For a limited time only, receive this exclusive gift4 when you open a new checking account with us or refer a friend.
Choose My Account
Love your hometown? So do we! Come take a closer look at why we love to live – and give – in the communities we call home.
Come on Over1 No maintenance or activity fees. Other fees, including overdraft fees, may apply. Please see our Schedule of Fees for details.
2 Enjoy free access at any Gate City Bank ATM, as well as at over 85,000 MoneyPass® and Allpoint® operated ATMs worldwide. Personal account customers can receive up to $250 in automatic fee refunds at out-of-network ATMs per year. Please see our Schedule of Fees for details.
3 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.
4 Gate City Bank reserves the right to substitute any gift for one of similar value.
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