Introducing our NEW Mortgage Rate Relief Program, offering rates approximately 2% lower than current market rates to eligible homebuyers. Find out more!

Laughing brunette in sunglasses, paddling her kayak across Pebble Lake in Fergus Falls, Minnesota

Welcome, Friends
of Fergus Falls!

Biking or boating. Hotdish or hiking. Whatever your style, come explore the beautiful city of Fergus Falls, MN, and see why we’ve loved every minute in lakes country since 2009.

Exterior view and drive-up lane at Gate City Bank, located at 428 West Lincoln Avenue in Fergus Falls, MN

Oh Hello, Neighbor!

Come on over to your friendly neighborhood bank, located in the heart of Fergus Falls. We’d love to give you a warm welcome!

See Map & Hours
Lake view of the Otto the Big Otter statue in Adams Park in Fergus Falls, MN

“Gate City Bank – love it! Always great with friendly staff. They serve fresh-baked cookies throughout the day, too.”

– Kathy P., Fergus Falls, MN

Family of four in stocking hats, walking along Wall Lake in autumn outside Fergus Falls, Minnesota

Learn how we’re investing in the future of Fergus Falls.

See News Stories

56537 by the Numbers.

#1
Best Bank: Fergus Falls Daily Journal’s “Best of Otter Tail County”
#3
Best Bank in the U.S.
15
Years and Counting in
Fergus Falls
Example of Fergus Falls Public Schools Otters debit card from Gate City Bank

Let's Go, Otters!

Show your spirit! Cheer on your home team with your very own Otters debit card, and we’ll donate $10 to Fergus Falls Public Schools.

Order My Card
Smiling woman holding a husky outside her lake home in MN, purchased with a Gate City Bank MinnStart home loan

Minnesota Nice
Home Loans.

You betcha! Learn more about our MinnStart Home Loan with little to no down payment – exclusively for Minnesota residents. Certain qualifications apply, so let’s get you in touch with a lender to learn more.

Talk With a Lender

Homegrown Banking With Heart.

Giggling girl surrounded by red heart-shaped confetti, celebrating Giving Hearts Day in Fargo, ND

Giving Hearts Day

Since 2014, we’ve been honored to partner with Dakota Medical Foundation – donating countless volunteer hours and dollars to benefit local charities across North Dakota and Minnesota.

Young man escorts a smiling senior couple on a walk on a beautiful autumn day in North Dakota

Preventing Elder Abuse

Learn how we’re offering extra support to our beloved senior citizens, helping to prevent elder abuse in assisted living homes throughout our communities in ND and MN.

Military service member in Fargo hugs his two kids, while his wife tries to hold back tears in their home purchased with a VA loan

Military Banking

We’re proud to serve our nation’s finest. Learn about our long history of honoring service members and their loved ones through VA loans, veteran charities and military support.

laughing newlyweds making house repairs and renovations, thanks to a Gate City Bank home improvement loan

Strong Neighborhoods.
Stronger Communities.

Thinking about making home repairs or improvements? Explore our low-interest loans just for homeowners in your city, designed to help preserve the beauty of older neighborhoods.

Learn More