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If I do not want my surplus refunded, can I keep it in my mortgage escrow account?

  • Education Resources > Help Center > Loan FAQs > Mortgage Loans

Unfortunately, you’re not able to keep your surplus in your mortgage escrow account. We’re happy to explain further. Learn more.

How much history is available for my accounts?

  • Education Resources > Help Center > Online Services FAQs > Online Banking

Whether it’s for checking, savings or CDs, we make it easy to look back at months of account history.

Can I apply for a home loan without a Social Security number (SSN)?

  • Education Resources > Help Center > Loan FAQs > Mortgage Loans

If you’re new to the U.S., you may use an Individual Taxpayer Identification Number (ITIN) to complete a mortgage application with us. Learn how!

What happens if a bill is paid late?

  • Education Resources > Help Center > Online Services FAQs > Bill Pay

Wondering what happens if a bill is paid late? Fear not! Learn more.

How are payments approved and delivered?

  • Education Resources > Help Center > Online Services FAQs > Bill Pay

Wondering how payments are approved and delivered? You’re in the right place! Learn more.

Does Gate City Bank know my password?

  • Education Resources > Help Center > Online Services FAQs > Online Banking

Wondering if we know your password? We actually don’t! But we can help reset it if it’s ever forgotten. Learn more about how your security is paramount to us.

How can I identify which card made a specific purchase or ATM withdrawal?

  • Education Resources > Help Center > Debit Card FAQs

Not sure how you can identify which card made a specific purchase or ATM withdrawal? You’re in luck! Learn more.

Can I make my tax and insurance payments myself?

  • Education Resources > Help Center > Loan FAQs > Mortgage Loans

Interested in making your home taxes and insurance payments yourself? Learn your options!

Will I incur a charge or penalty in the event of a mortgage escrow account shortage?

  • Education Resources > Help Center > Loan FAQs > Mortgage Loans

Wondering if a mortgage escrow account shortage comes with a penalty? We’ve got good news for you! Learn more.

How do I change the personal identification number (PIN) for my debit card?

  • Education Resources > Help Center > Debit Card FAQs

Looking to change the personal identification number (PIN) for your Gate City Bank debit card? We’ve got you covered! Learn more.