Can I opt out of Payday Your Way?

Great question! We’ll work to make your funds available to spend the same day we receive a deposit notice from your employer or other payers – up to two days earlier than your scheduled payday.¹

Absolutely not! Payday Your Way comes free with your Gate City Bank checking account.

This largely depends on when we receive a deposit notice from your employer or other payers. As soon as we receive that notification (except on Sundays or federal holidays), we’ll make the funds available to you!

If you have questions, please contact us and a team member will be happy to help you!

A home purchase is likely one of the largest and most important investments you’ll make, and the appraisal process is an essential part of obtaining a mortgage. We have insight to help you through the process and answer your questions, including what to expect during the process:

1. Your mortgage lender will request an appraisal through an online tool.
2. Our Appraisal and Evaluation team will assign an independent state-certified appraiser for your property.
3. The appraiser will communicate directly with either the current property owner or the listing real estate agent to schedule the appraisal inspection.
4. The appraiser will examine and photograph the following to create an appraisal report:
   1. The exterior of the home and other site improvements, such as detached garages, shops, decks and patios.
   2. The interior of the home, including living areas, bedrooms, bathrooms and other areas, as appropriate.
   3. The overall quality and condition of the construction or home improvements.
   4. Any necessary repairs that have been identified.
5. Once the appraisal report is submitted, you’ll receive an email with a link to view the report electronically. If you prefer to receive a physical copy, please put in a request with your mortgage lender.
6. The Appraisal and Evaluation and Underwriting teams will review the appraisal, and your mortgage lender will contact you with any additional information needed to complete the appraisal.

If you have questions or concerns regarding your appraisal report, please visit with your mortgage lender.