Who should I contact if my funds don’t show up two days early?

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!

Yes! Simply stop by your nearest Gate City Bank location, or give us a call at 800-423-3344 and we'll assist you with this request right away.

When you can access a deposit typically depends on the type of deposit made:

• Checking accounts: Domestic direct deposits, along with cash and most check deposits, are typically available the same day we receive the funds.
  • However, if you’ve deposited over $5,525 in checks in one day, the remaining funds could take up to seven business days to show up.
• Savings and money market accounts: The availability may vary based on the terms and conditions of your account.
  • Learn more by accessing our agreements.
• International deposits: These may be subject to government reviews and could be delayed to ensure compliance with financial regulations.

If you have questions about the status of a specific deposit, please contact us. We’ll be happy to assist you!