FAQ - Debit Card Controls Questions

  1. Yes. If you have Gate City Bank Online or Mobile Banking, they will work with the most recent mobile operating software as well as two past generations of Android and iPhone devices. 

  2. No. Our Online & Mobile Banking is not supported on Windows phones at this time.

  3. Settings take effect as soon as the “Updating information” message in the app stops.

  4. There are some merchant types where a merchant will pre-authorize the card for an amount that may be larger than the actual transaction amount. In this instance the pre-authorization amount must meet the threshold spend limit.

  5. Controls are only invoked during authorization of a transaction. In some cases, such as Gas Stations, a card may be tested for validity by doing a $1 pre-authorization, and the actual transaction amount is charged to the debit card after the transaction. Some gas stations will preauthorize for a maximum amount, e.g. $126, and some gas stations will check validating, e.g. $1. In the latter case, the actual transaction amount may exceed the limit, while in the former case, an authorization may be denied.