Fees published

Fees on this page come from the institution's own published fee schedule. Benchmark scores use only fees that cleared review.

Community bank, $1B to $10B

Gate City Bank

Fargo, North DakotaBankMinneapolis Fed districtFees collected Oct 3, 2026Financials Q2 2026

Website Published fee schedule

Published fees

Published fees power benchmarks; fees under review do not.

vs. U.S. typical range:LowerTypicalHigher

Account MaintenanceVerified

Account Research$30Above the typical range ($20–$25 nationally)

Overdraft & NSFVerified

(NSF) Third parties or other banks may impose | Non-Sufficient Funds (NSF) Fee for items returned.$0Below the typical range ($25–$31.50 nationally)
$30 below the national median
per item · Source
BankOn Checking Account Overdraft Fee for items$0Below the typical range ($25–$32 nationally)
$30 below the national median
per item · Source

ATM & CardVerified

Excessive Card Replacement$5Within the typical range ($5–$10 nationally)
$5 below the national median
Source
surcharge could happen at any ATM not owned by Gate$0Below the typical range ($1–$2.50 nationally)
$1.75 below the national median
Source

Wire TransfersVerified

Foreign Outgoing Wire Fee$50Within the typical range ($40–$50 nationally)
At the national median
Source
Incoming Wire Fee$15Within the typical range ($5–$15 nationally)
$5 above the national median
Source
Wire Transfers | Domestic Outgoing Wire Fee$20Within the typical range ($20–$25 nationally)
$5 below the national median
Source

Check ServicesVerified

Official Check$5Within the typical range ($3–$5.50 nationally)
At the national median
per item · Source
Stop Payment$30Within the typical range ($20–$30 nationally)
$4 above the national median
per item · Source
Stop Payment$0Below the typical range ($20–$30 nationally)
$26 below the national median
per item · Source

Cash & DepositVerified

Deposited Items Returned$5Below the typical range ($10–$25 nationally)
$10 below the national median
per item · Source
Night Deposit Key Replacement$25Above the typical range ($5–$20 nationally)
$14.50 above the national median
Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Account MaintenanceVerified
Account Research	$30Above the typical range ($20–$25 nationally)	$5 above the national median	—	—	Source
Below Minimum Balance Fee - Savings	$5Within the typical range ($3–$10 nationally)	At the national median	per month	—	Source
Overdraft & NSFVerified
(NSF) Third parties or other banks may impose \| Non-Sufficient Funds (NSF) Fee for items returned.	$0Below the typical range ($25–$31.50 nationally)	$30 below the national median	per item	—	Source
BankOn Checking Account Overdraft Fee for items	$0
ATM & CardVerified
Excessive Card Replacement	$5Within the typical range ($5–$10 nationally)	$5 below the national median	—	—	Source
surcharge could happen at any ATM not owned by Gate	$0
Wire TransfersVerified
Foreign Outgoing Wire Fee	$50Within the typical range ($40–$50 nationally)	At the national median	—	—	Source
Incoming Wire Fee	$15
Check ServicesVerified
Official Check	$5Within the typical range ($3–$5.50 nationally)	At the national median	per item	—	Source
Stop Payment	$30
Cash & DepositVerified
Deposited Items Returned	$5Below the typical range ($10–$25 nationally)	$10 below the national median	per item	—	Source
Night Deposit Key Replacement	$25
Account ServicesVerified
Notary Fee	$0Within the typical range ($0–$5 nationally)	$2.50 below the national median	per item	—	Source
Other FeesVerified
Overnight Delivery Fee	$20Within the typical range ($20–$45 nationally)	$10 below the national median	—	—	Source

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Headline fees published

11 of 15

Published fees

Under review

Assets

$4.0B

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · FDIC call report

Total assets

$4.0B

Total deposits

$3.6B

Service charge income

$5.4M

Fee income ratio

10.8%

Return on assets

0.87%

Branches

Service charge income by quarter

Q2 2026$5.4M

Q1 2026$5.3M

Q4 2025$5.7M

Q3 2025$6.1M

Financial profile · Pro

Performance from regulator filings

10+ years of call-report history with peer benchmarks, branch footprint, consumer complaints, and SEC filings

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Based on 37,872 published fee entries from 2,649 institutions

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