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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!


mobile phone with dollar signFREE 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 graphicFREE 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*.


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 icon24/7 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. 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.

  2. 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, 7:00 a.m. – 10:00 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.

  3. 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, 7:00 a.m. – 10:00 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.
  4. 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.

  5. 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.