Why was I prompted to answer a challenge question or provide a one-time passcode?

We care about protecting your personal information! As a safety measure and to prevent unwanted access to your account, we may ask you a challenge question or to provide a one-time passcode to access your online banking account.

Challenge Questions: These are generated from public records and may involve information from several years ago, such as past vehicle registrations. If you ever have trouble recalling answers to the questions, please contact us.

One-Time Passcodes: While logging in to your online banking account, you may be prompted to enter a passcode to proceed to your account. You’ll be asked if you would like this passcode sent via text or phone call. This one-time passcode is valid for one login session.

Events that trigger a challenge question or passcode include:

  • A recently failed log-in
  • Logging in from an unknown device
  • Logging in from a network that has not previously been associated with your device

As an additional security measure, if requested, your account settings can be adjusted to ask challenge questions each time a login is attempted.

Related Questions

This is likely a standard message indicating that you’ve merely entered an invalid User ID or password. If you receive this message and need assistance logging in to your account, click on the “Forgot User ID” or “Forgot Password” links and then follow the prompts. If you have any further questions, please contact us for assistance!

Fear not! For your security, your online banking account will be locked if the password or verification code is entered incorrectly five times. However, we’ve made resetting your password and unlocking your account very easy. Simply click the Forgot User ID/Password and follow the prompts. You can also contact us directly for more assistance!

It's easy! Simply log into online banking, and select "Account Summary" right below "Accounts." Choose your account from below the "Deposit Accounts" list. The account page will load to show that account information and additional details will display on the page.

If you're accessing from our mobile app, choose the account you would like to view more details about. Once you're on that account's page, scroll to the right of the icons and tap the "Details" icon.

From either route, you’ll find the following information:

  • Account name
  • Nickname
  • Current balance
  • Routing number
  • Account number
  • Date opened
  • Interest rate
  • Year-to-date interest

At Gate City Bank, your security is paramount, and you can rest assured that none of our team members know your online banking password. However, if you ever forget your password, you can click on the “Forgot Password?” link from the login area or contact us for password reset assistance.

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:

  • Balances: When either the available balance or actual balance of the account changes.
  • Daily Balances: With either the available balance or actual balance. (You can even specify the alert delivery time.)
  • Cleared Checks: When a specific check number clears the selected account.
  • Loans That Are Due: Before a loan payment is due or if the selected loan is past due. Choose to receive additional reminders after a specified number of days.
  • Maturity: Before the account reaches maturity or when the account reaches maturity. Choose to receive additional reminders after a specified number of days.
  • Transactions: For specific transaction types.
  • Secure Messages: When a new secure message is sent.
  • Debit Cards: For the following:
    • All transactions
    • Transactions over a specified amount
    • International transactions
    • Specific merchant types
    • Specific transaction types

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.

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