What can we help you find?
We’re happy to help with this! Account alerts can easily be set up in online banking or by using our mobile app, and you can opt to receive them via email or text message. We’ve created alerts for:
Alerts are processed at the top of every hour. You may not receive your alert immediately as the file can take some time to process.
Great question! Online banking supports regular and principal-only loan payments made from a Gate City Bank checking or savings account. You can make a payment using a checking or savings account at another financial institution using external transfers.
When making a transfer to a loan, you’ll have the following options:
Please note: You must make your regular payment before paying an additional amount to the principal. You may receive an error message if you attempt to make a principal-only payment before making your regular payment on a mortgage loan.
As a security measure to prevent unwanted access to your online banking account, non-U.S. phone numbers will not be eligible to receive one-time passcodes by default. However, these numbers can be added to personal accounts with assistance from our team. Please contact us and we can assist with this request.
Unfortunately, business accounts are not eligible to use an international phone number. To access your account from outside the U.S., please answer the challenge questions by clicking “I cannot be reached at any of these numbers” or call us directly to answer the challenge questions.
We’re happy to provide clarity! Rest assured that your online balances, transfers and transaction history are live and up-to-the-minute. Online banking will show balances and any transactions that have occurred during the current day.
Great question! The current balance is the amount of money that is actually in your account at any given time. It reflects only transactions that have posted to your account, not authorized transactions that are pending. The available balance is the account balance minus any funds preauthorized or held (such as outstanding debit card transactions or deposited check holds).
A pending item is a transaction that hasn’t been fully processed yet, such as a debit card purchase. It typically posts to your account within one to two business days, as determined by the merchant.
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