Will my direct deposits always arrive 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.

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