group of women friends posing for a goofy picture to go on a custom debit card

Be You With Our Custom Debit Cards

You’re so wonderfully unique. And you work hard to capture the moments and spirit that you can look back on with happiness. We want to share in that joy by offering you a debit card that brings you those warm fuzzies each time you use it.

Spread Joy With Every Use.

Support your favorite school by sporting their logo, share those special moments, finally have that hot pink card you’ve always wanted or share an image of your business. Whatever your customized debit card dream may be, we’ll bring it to life.

If you'd like your debit card right away, you can receive yours instantly at any location! Choose from a My School Spirit card by selecting your school from the list of participating schools or select our standard design. Then, follow these simple steps:

  1. Visit any one of our 44 convenient locations

  2. Tell us which debit card design you'd like

  3. Wait for just a few minutes

    (Perfect time to enjoy a cup of coffee or a freshly baked cookie)

  4. Receive your new card, and your school will receive $10 from us!

a sample collection of My School Spirit custom debit cards from Gate City Bank

Spirit – Let’s Hear It!

Whether you’re a teacher, parent, student or simply a die-hard fan, cheer on your school with a My School Spirit card! Even better, we’ll donate $10 to the school with every card ordered.

Order Card
a heartwarming picture of sleeping newborn baby girl Reagan to go on custom debit card

First Moments to Stay With You.

Those first moments with your new baby. The perfect day at the park. That incredibly beautiful sunset. Whatever photo you want to keep with you, simply place it on your debit card. With My Card Creation, the process of customizing your debit card is short and sweet.

Share Your Moment
happy young woman smiles while holding phone outdoors on a sunny day

Put Your Debit Card to Work.

Boldly showcase an image of your business or your work family and maximize exposure each time you swipe! Easily customize the image on your card to keep spending fun.

Order Card

Your Memories, Our Cardstock.

Yesss, you’re here! That means you’re ready to get your own customized card created. Here’s what you’ll need:

  1. The Right Format

    Please upload your selected image in a JPG, BMP, GIF, PNG or TIF format.

  2. On the Small Side

    The file size should be at least 50 KB and 840x840 pixels.

  3. Max Capacity

    A friendly reminder that image files can’t exceed 10 MB.

Image Guidelines

Maybe You Need a Bit More Information.

Ordering your Gate City Bank debit card is easy! Here are the options:

You should expect to receive your card within 7-10 business days.

Depending on the order, you could receive it instantly!

Stop by one of our 44 convenient locations for an instant-issue debit card, which is available for our standard Gate City Bank card design and My School Spirit card designs.

Debit card orders can be placed via our online form, at any location or by calling our Customer Service Center. Your debit card will be delivered to your address through the mail in approximately 7-10 business days from the date your order was placed.

To report your debit card as lost or stolen through online banking:

  • Log in to your online banking account and locate the option for “Control Debit Cards,” then click “Control Cards” to display your available debit cards.
  • Locate the appropriate card, then confirm the right debit card is selected by viewing the last four digits displayed.
  • Next, select the option to “Report Lost/Stolen Card” and select “Send” to notify us.

To report your lost or stolen debit card through the mobile app:

  • Log in to your online banking account and locate the option for “Debit Cards”, then click “Control Debit Cards” to display your available debit cards.
  • Swipe through the available debit cards as needed to locate the appropriate card, then confirm the right debit card is selected by viewing the last four digits displayed.
  • Next, select the option to “Report Lost/Stolen Card” and select “Send” to notify us.

Once we’ve been notified, we’ll close the appropriate debit card within one business day. After your debit card has been closed, you’ll receive a message from us with information on how to order your new card.

You may also get in touch with us at 701-293-2400 or 800-423-3344, or visit any location to report your debit card as lost or stolen.

With the My School Spirit debit card, there are multiple schools and designs to choose from! Check out our list of options.

Please review the following guidelines and helpful information when ordering your My Card Creation debit card.

Image Requirements:

  • An image in JPG, BMP, GIF, PNG or TIF format.
  • Minimum size: The file size should be at least 50 KB in size and at least 840 x 840 pixels.
  • Maximum size: Image files cannot exceed 10 MB.

Content Considerations:

Mastercard reserves the right to determine whether a submitted image will be accepted or rejected. All images submitted must have the consent of the owner, including those images downloaded from the internet. Images that contain any of the following will be rejected:

  • Trademarks, copyrighted materials, company names, logos, slogans, brands of any third party or any material that could infringe on copyright or trademark rights.
  • Celebrities, actors, musicians, professional athletes, politicians or public figures of any kind .
  • Cartoon characters or artwork that you’ve not created and/or don’t have permission from the copyright owner to use.
  • People conducting or involving themselves in criminal or illegal activities or otherwise inappropriate behavior.
  • Racial, political, religious or socially sensitive material.
  • Provocative, lewd or sexual content, including nude or semi-nude imagery.
  • Obscene, indecent or offensive material, including profanity or any other obscenities.
  • Phone numbers, addresses, account numbers, personal identification numbers (PINs) or URL addresses.
  • Any image we deem unacceptable to be associated with the Mastercard and/or Gate City Bank brand.

Note: Images that don’t meet the above guidelines will be rejected, and you’ll be notified via online banking message. From there, you are of course welcome to submit another image!

All debit cards from Gate City Bank now come equipped with an internal chip, which allows you to tap your card at any applicable terminal to make a payment. Typically, the terminal will beep once, confirming your payment has been accepted.

Note: In instances where retailers may not be equipped to accept Tap and Pay, you’ll still have the ability to insert the card’s chip or swipe the magnetic stripe.

Great news! Many big-box chains, grocery stores, gas stations and other establishments are now accepting Tap and Pay transactions! Just look for this contactless symbol:

Tap and Pay Symbol

The benefits abound! For one, you’ll find that tapping your debit card to pay is much faster than inserting or swiping your debit card. It’s also contactless, allowing you to simply hover the card above a terminal, listen for the beep and go about your day with your new purchase. Simple!

Absolutely! Your information is completely safe. Whenever the Tap and Pay option is used, your debit card’s number is replaced by a unique code, encrypting the transaction and ensuring security.

Not all previously issued Gate City Bank debit cards have the Tap and Pay functionality. If your debit card has the following symbol on the back side, you’re all set, and your current card has the Tap and Pay capabilities!

Tap and Pay Symbol

If not, please reorder your debit card today.

Smiling husband and wife looking at smartphone together, choosing the best checking accounts for them with Gate City Bank


With free ATMs, debit card rewards and other perks, our checking accounts are perfect for any lifestyle. Compare options to find the right one for you!

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!

happy young couple holds phones on a sunny day while enjoying debit card controls

Debit Card Controls

Enjoy greater peace of mind with your Gate City Bank debit card! In the event your personal card ever becomes lost, stolen or misplaced, you can easily use our debit card controls to freeze it – all from the convenience of our mobile app or online banking. You can also set spending limits, monitor card activity and receive transaction alerts.

Order a Debit Card

Order your free Gate City Bank debit card in just a few easy steps! Now with Tap & Pay, enjoy all the benefits of your new card, from excellent rewards to user-friendly controls to customized design options and more. To receive a card in minutes, simply visit one of our 44 convenient locations.