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dollar bill graphic FREE ATMs Worldwide

Use any ATM for FREE with unlimited automatic ATM fee refunds anytime, anywhere.


 FREE Debit Card Rewards

Enroll in uChoose Rewards® and start earning points for everyday purchases using your Gate City Bank debit card. You choose how to spend your points – cash, gift cards, travel and more. Shop. Earn. Redeem. It's that simple!


Tap and Pay

Conveniently use Tap and Pay to purchase items whenever the contactless symbol is present. Simply tap your debit card to the scanning device and wait for a beep or a green light before removing your card.


mobile phone with dollar sign FREE Mobile Wallet

Add your debit card to a mobile wallet* to pay with your phone or smartwatch at stores that accept mobile payments. Now that's convenient! We support the most common mobile wallets, including Apple Pay®, Google Pay and Samsung Pay.


mobile phone with debit card graphic FREE Debit Card Controls

Monitor activity on your card, receive transaction alerts and turn your Gate City Bank debit card on or off to help protect against fraud, all from online or mobile banking*.


Instant Issue Icon FREE Instant Issue

Receive your debit card right away! Your new card can be issued instantly at any of our convenient locations. Call ahead so it's ready to pick up, or come inside and enjoy coffee and cookies as you wait just a few moments for your new card.


card and pad lock symbol Safe & Secure

With 24/7 transaction monitoring, zero liability and text alerts, your debit card is protected from fraud. To ensure uninterrupted use of your card, please let us know when you are traveling. If you identify any suspicious or fraudulent transactions on your account, please contact us immediately. You will not be liable for any unauthorized transactions.

With fraud text alerts*, if we detect suspicious activity on your card, you'll receive a text message with details about the suspected transaction. All you need to do is respond to the text with a "yes" or "no" to validate the transaction.

Questions? If you have any questions about your debit card, please contact us.


Mobile phone icon 24/7 Debit Card Support

Debit card support is available to assist you at any time with questions regarding transactions or to report your debit card lost or stolen.

For 24/7 debit card support, call us at 701-293-2400 or 800-423-3344, then listen to the options.

  1. All debit cards from Gate City Bank now come equipped with an internal chip, which allows you to tap your card at any applicable terminal to make a payment. Typically, the terminal will beep once, confirming your payment has been accepted. You’ll still have the ability to insert the card’s chip or swipe the magnetic stripe, in instances where retailers may not be equipped to accept Tap and Pay.

  2. Unfortunately, not all previously issued Gate City Bank debit cards have the Tap and Pay functionality. If your debit card has this symbol on the backside, you’re all set, and your current card has the Tap and Pay capabilities! If not, please reorder your debit card today.

  3. Absolutely! Your information is completely safe. Whenever the Tap and Pay option is used, the card’s number is replaced by a unique code, encrypting the transaction and ensuring the same security.

  4. You will find that tapping your debit card to pay is faster than inserting or swiping your debit card. Aside from taking less time than a standard payment method, it’s also contactless – allowing you to simply hover the card atop a terminal, listen for the beep and go about your day with your new purchase. Simple!

  5. Fortunately, most big box stores and grocery stores are now accepting Tap and Pay transactions wherever you see the contactless symbol!

  6. To report your debit card lost or stolen through online banking, log into your online banking account and locate the option for “Control Debit Cards” and click "Control Cards" to display your available debit cards. Swipe through available debit cards as needed to locate the appropriate card; confirm the right debit card is selected by viewing the last four digits displayed on the debit card. Next, select the option to “Report Lost/Stolen Card" and click Send to notify us.

    Once we’ve been notified, we will close the appropriate debit card within one business day. After your debit card has been closed, you will receive a message from us with information on how to order your new card.

    You can also contact us 24/7 at 701-293-2400 or 800-423-3344 any time to report your debit card has been lost or stolen.

  7. When traveling, please submit a travel request to ensure uninterrupted use of your debit card. 

    To submit a travel request through online banking, you can log in to your online banking account, visit the “Contact Us” section, and then select the “Travel Notice” form. You will verify your account information and provide the details of your upcoming travel. Once you have submitted the form, we will place the travel notice on your debit card to ensure you are able to use your card without interruption while you are traveling.

    You can also submit a travel request at any of our locations or by contacting our Customer Service Center Monday through Friday, 7:30 a.m. – 8:30 p.m. CT or Saturday 8:30 a.m. – 6:00 p.m. CT at 701-293-2400 or 800-423-3344 to inform us of your travel plans.

  8. There are a few ways you can order your debit card:

    • Stop into one of our 43 convenient locations for an instant issue debit card.
    • Contact our Customer Service Center Monday through Friday, 7:30 a.m. – 8:30 p.m. CT or Saturday 8:30 a.m. – 6:00 p.m. CT at 701-293-2400 or 800-423-3344 to have a debit card mailed to you. Debit cards generally take approximately 7 - 10 business days to receive through the mail.
    • Debit cards can be ordered directly from our website and will be mailed to you. Debit cards generally take approximately 7-10 business days to receive through the mail.
  9. If you enabled the lock through your debit card controls in online banking, here are the steps to remove the lock:

    • Log into your online banking account and locate the option for “Control Debit Cards” and click "Control Cards" to display your available debit cards. Swipe through available debit cards as needed to locate the appropriate card; confirm the right debit card is selected by viewing the last four digits displayed on the debit card. At the bottom of the “Control Debit Cards” screen, click on the switch next to “Block Cards.” If the switch is orange, the card is currently blocked. If the switch is gray, the card is not blocked.
    • Please note, specific debit card transactions can be blocked by other card control settings. You can view and update these by selecting "Set Card Controls."

    If our Fraud Detection Center suspected potential fraud, we may have enabled a block on your debit card for your protection to prevent any fraudulent transactions. To remove the block and review your recent transactions, contact us by calling us 24/7 at 701-293-2400 or 800-423-3344.

  10. Log in to your online banking account, visit the “Contact Us” section, and depending on what type of transaction you would like to dispute, choose either the ATM Transaction Dispute form (for ATM withdrawals) or Report Fraudulent Debit Card Transaction form.

    Once you have selected the appropriate form, simply complete the requested information and submit. After this step is complete, our team will work to credit the transaction within 1 business day and, if applicable, a new debit card will be ordered for you.

    You can also contact us by calling 701-293-2400 or 800-423-3344 and we can assist you.

*Internet service and mobile carrier provider fees may apply.