Welcome to 

Better Banking You'll Love!

For the past 100 years, we’ve been excited to serve our customers and communities with contributions such as saving our customers millions of dollars with free ATMs*, giving back across North Dakota and Minnesota through philanthropic giving and our BetterLife^™ Student Loan program that have saved customers millions of dollars in interest. Additionally, we’re the #1 mortgage lender in Fargo, Moorhead and West Fargo with locally approved, financed and serviced home loans - voted by you, with Locals Love Us!

We’re proud to carry on our legacy for over a century, focusing on servant leadership, community giving, innovation, empowerment and fun. In the years to come, we’ll continue to make a difference by creating a better way of life for our customers, communities and team members!

 Gate City Bank has 43 locations in 22 communities throughout North Dakota and central Minnesota, with more than 770 team members who are ready to serve. We truly believe in making a difference every day through our unique culture and innovative products and services.

Voted Best Mortgage & Real Estate Loans, Best Bank and Best Personal Loans

At Gate City Bank, we know home is where happiness lives. Come see for yourself why we’ve been voted the best in mortgage lending in Fargo, Moorhead and West Fargo!

• 100% of our home loans are locally serviced, and we're available online with digital signing options!
• Protect your interest rate from changing with a 15- or 18-month lock for new construction.
• Our home loan process begins with the Gate City Bank Blue Standard pre-approval, which guarantees:
  • Competitive rates and fees
  • Real estate agent and seller trust
  • Peace of mind knowing your pre-approval will come through on closing day!

  Make Your Move     

Better Checking with Free Perks 

Our checking accounts just make sense. Enjoy better benefits, including:

• Free ATMs anytime, anywhere
• Easy mobile and online banking
• FREE Payday Your Way (Receive your paycheck up to two days early!**)
• And more!

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About Gate City Bank

A $3.4 billion mutual bank founded in 1923, Gate City Bank is the region’s leading financial institution, as well as the #1 mortgage lender in North Dakota. Celebrating its 100thyear in 2023, the bank employs more than 770 team members at 43 locations in 22 communities across North Dakota and central Minnesota. The bank believes in creating a better way of life for customers, communities and team members, and it has contributed $36.6 million in philanthropic giving and more than 285,000 hours of team volunteerism since 2003. The bank has also been named one of the “50 Best Places to Work” nine years in a row by Prairie Business magazine. Member FDIC. Equal Housing Lender.

*No maintenance or activity fees. Other fees may apply. See fee schedule for details at GateCity.Bank.

**Gate City Bank will generally make your funds available to spend the same day that we receive a deposit notice from your employer or other payer, up to two days earlier than your scheduled payday. Direct deposit required. Early availability subject to the timing of submission payment file from payer.