What information should I have to file a claim?

Once a claim is reported, your insurance carrier will assign a claims adjuster to review the loss. The adjuster may:

• Gather additional information
• Review photos and documentation
• Inspect the damage, if necessary
• Determine how coverage applies under the policy
• Explain next steps and any claim payments that may be issued

Your adjuster will serve as your main point of contact throughout the process and can answer any questions about claim status, payments and timing.

Whether it’s savings, checking or a certificate of deposit (CD), we make opening a business account incredibly easy. Simply visit with one of our treasury management consultants to secure the option that works best for you, or stop by one of our convenient locations to get started!

We May Request Some Things.

It may be important that we receive copies of specific documents and certificates from you. Depending on the nature of your business, we may ask you for the following information:

Partnership

• Partnership agreement
• Partnership registration
• Government-issues license
• Fictitious name certificate

Corporation

• Articles of incorporation
• Corporate bylaws
• Meeting minutes

Organization or Association

• Meeting minutes
• Trade name certificate
• Organization or association articles or bylaws

Limited Liability Company (LLC)

• Articles of organization
• Operating agreement
• Meeting minutes
• IRS EIN letter (only if single-member)

Sole Proprietor

• IRS EIN letter (if applicable)
• Trade name certificate
• Government-issued license

If you don’t have the items listed above, fear not! Contact a treasury management consultant, and they’d be happy to help guide you.

Also, if you’re making the switch to Gate City Bank from another financial institution, you can take it easy – we’ll take care of everything! We make the transition quick and simple, remaining by your side every step of the way.

You may already be enrolled with Zelle® at another bank or credit union. Simply give us a call at 701-293-2400 or 800-423-3344, and we can help move your email address or U.S. mobile phone number to Gate City Bank. That way, you can send and receive money with Zelle® using our mobile app and online banking.

Don’t have our mobile app? Download it today:

Great question! Offline security is critical to helping you protect your identity. While online security remains an important and current issue, the majority of identity fraud continues to take place offline.

Following simple guidelines for offline activities can help you protect your privacy and your identity:

• Lock your mailbox. Don’t leave mail in your mailbox longer than necessary – especially if your mailbox doesn’t lock. Also, have the post office hold your mail if you’re traveling, and monitor your mail closely to notice if bills don’t arrive as expected or if you receive unexpected credit cards or a mysterious account statement.
• Don’t give out your private information. Be careful where you share your phone number and Social Security number (and keep your Social Security number in a secure place at home), and ask solicitors or other businesses for their phone number so you have control over communications. It’s also important not to give out personal information in other areas, especially with surveys.
• Copies aren’t necessary. Know your rights regarding copies of your driver’s license. Business transactions, like checking in to a hotel, don’t require a copy of your driver’s license.
• Take advantage of free annual credit reports. Credit reports contain information about your accounts and your bill-paying history. Major nationwide consumer-reporting companies are legally required to provide free copies of your credit reports. Review your credit report each year for accuracy.
• Shred, shred, shred. Shred bills, bank statements, pre-approved financial solicitations and other confidential materials before discarding them.

If a parent will be a co-signer on the account, we’ll ask for identification from the parent. When a child or minor opens an account without a parent, we may use a student ID card. However, if they don’t have one, identification by a family member, friend, banker or teacher may be acceptable.

In addition to the above forms of ID, we’ll need the minor’s Social Security number.