Young lady at a park in North Dakota after stopping at her local Gate City Bank to learn about mutual banking.

Bank Differently.
Bank Mutually.

As a mutual bank, we put our communities first through volunteering, donations and meaningful partnerships across ND and MN. Because we’re more than your bank – we’re your neighbor.

Find My Nearest Location

Providing Support for a Better Tomorrow.

Neighborly support and personalized service you can trust.

Donations to nonprofits and other charitable organizations we love.

Local partnerships for lasting community impact.

Serving small businesses that are vital to our communities.

A little boy and his father play at a park in rural North Dakota after visiting their local Gate City Bank

What Is a Mutual Bank?

Since 1923, Gate City Bank has remained focused on giving back to our communities. Because when our communities thrive, we all do.

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Proudly Serving ND & MN.

23
Communities Across ND and MN
100+
Years Strong
45
Locations and Counting
Smiling girl with pigtails, wearing a red polka dot dress and playing in a wheat field in rural North Dakota

Find My Local Bank.

Love your hometown? So do we! Come meet your neighborhood lenders, order a debit card to support your local school and explore all of the places we’re proud to serve across ND and MN.

Choose My Community

Better Communities. Better Together.

happy group cuts ribbon with scissors for West Fargo Eats ceremony

Philanthropic Giving

At Gate City Bank, giving back to the communities where we live and work is at the core of who we are. Learn about all the innovative ways we’re making a difference throughout North Dakota and central Minnesota.

couple happy about home improvement loan observes updates and embraces each other

Home Improvement Programs

Learn about special low rates for home remodeling and repairs in partnership with towns across ND and MN, available annually from March to October.

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.

Smiling brunette with long braids, reading the easy steps to consolidate her student loans with Gate City Bank on her phone

BetterLife™ Student Loan

Are your student loans holding you back from buying a home? Learn how our unique program could help you pay off your student loans faster with no fees and fixed interest rates. Say hello to future planning!

1 Enjoy free access at any Gate City Bank ATM, as well as at over 85,000 MoneyPass® and Allpoint® operated ATMs worldwide. Personal account customers can receive up to $250 in automatic fee refunds at out-of-network ATMs per year. Please see our Schedule of Fees for details.

2 Early paydays! Isn’t that neat? Your funds will generally be accessible the same day we receive a deposit notice from your payer, up to two days earlier than your scheduled payment. Direct deposit is required, and early access is subject to the payer’s timing in submitting funds.