Keep your passwords in a secure place, and out of plain sight. Don't share them on the Internet, over email, or on the phone. Your Internet Service Provider (ISP) should never ask for your password. In addition, hackers may try to figure out your passwords to gain access to your computer. To make it tougher for them:
Checking, Savings, and Certificate of Deposit (CD) accounts will have one year of history.
Loan accounts will have at least 18 months of history.
Online balances, transfers, and transaction history are live and up to the minute. Online Banking will show current balances and any transactions that have occurred during the current day. (The balance and history will match the bank's system.)
Online Banking provides the following information:
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 have the following options:
Please note: You must make your regular payment before paying an additional amount to 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.
Yes. Online Banking offers the following alert types:
Log into Online Banking, go to Profile/Settings> Profile Updates> Change Email Address. Your Current Email is visible on this page. You can update your email on this page by completed the fields and clicking Update.
On the Download Transactions page, found in the Accounts menu, you can download transactions to Quicken® (.qfx) or QuickBooks™ (QBO).
On the Account History page, you can download your transactions to Excel (.csv) using the Download To: Spreadsheet link found above the Date and Description columns.
Yes. Transfers made online are up to the minute.
Follow these steps to complete a transfer.
Your transfer will be completed immediately upon clicking Submit. A confirmation number will display on the final page along with the details of your transfer.
Yes. Log into Online Banking, mouse over the "Transfers" tab, and then click on "Manage Transfers."
One-time transfers can be scheduled up to one year in advance.
Recurring transfers can be scheduled:
New accounts will automatically be added to your Online Banking within 1 business day of being opened.
Closed accounts will not be visible in Online Banking. Online Statements are available for 2 years from the account close date.
You may disable an account without removing it completely. To hide your open accounts, from the Accounts menu, select Hide Accounts. Uncheck the box in the Show column to disable the account, then click Save. Simply recheck the box to see the account again.
All phone numbers are given the option to receive either text messages or automated phone calls.
This is an example of a balance alert: The balance in your Certificate Of Deposit account is currently above $50.00
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.
A joint account owner can call and discuss the account but any maintenance for Online Banking cannot be done by someone other than the online banking owner. If you would like your spouse to have access to online banking for a Joint Account, you will need to register separately for online banking accounts. We can assist you at 800-423-3344 if you have online banking established or need further assistance.
Gate City Bank takes the protection of your personal information very seriously. To protect your online security, we strongly encourage users NOT to share online banking profiles or login credentials.
Gate City Bank takes the protection of your personal information very seriously. As a safety measure, we may ask you a challenge question to access your online banking account.
These challenge questions are generated from public records and may include information from several years ago, such as past vehicle registrations.
If you are having trouble recalling the answer to the questions, please contact us. We may ask you to verify your phone number in the event we need to send you a secure verification code to access your online banking account.
To follow online security protection best practices, you should avoid User IDs and Passwords that are simple and, instead, establish a more complex User ID and Password to safeguard your account and information.
To create a more complex User ID and Password, try using combinations of letters, numbers, and characters, such as:
Learn more about best practices in protecting your identity online and offline.
You will receive this standard response when:
Note: Receiving this message does not necessarily indicate that all items listed above are occurring.
If you receive this message and need assistance logging into your account, click on the Forgot User ID or Forgot Password links and then follow the prompts. If you have any questions about this process, please call us at 800-423-3344 for further assistance.
Gate City Bank takes the protection of your personal information very seriously. As a safety measure, we may ask you to provide a one-time passcode or ask you a challenge question.
A one-time passcode is a code that is valid for only one login session. While logging into your online banking account, you may be prompted to enter a passcode to proceed to your account. You will be asked if you would like this passcode via text or phone call.
Additionally, you may be asked to complete login challenge questions; these are an extra level of security that helps to prevent unwanted access to an account.
Events that trigger a passcode or challenge question request:
As an additional security measure, if requested, your account settings can be adjusted to ask challenge questions each time a login is attempted.
After logging in click on the account you are needing information for, then select ‘Get More Details’.
From here, you will find the following information:
Sending money using your online bank account is easy and secure! You have the following options available with your online bank account:
By default, non-US phones do not work but can be added to personal accounts. Please call 800-423-3344 for assistance and we will add that phone number to the account.
Unfortunately, Business accounts cannot use an international phone, so in order to access your account 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.