Gate City Bank

Headquarters: Fargo, North Dakota
Charter: Bank
Assets: $4.0B
Fed district: Minneapolis

17 published fees; none has a market median to compare yet.

Source: its fee schedule, read Nov 2, 2026.

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Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Monthly Maintenance
Compared at $4.98, the middle of its prices
Gate City Bank: $4.95 to $10
Gate City Bank: $4.95 to $10
U.S. median: no median
Overdraft (OD)
Gate City Bank: $32
Gate City Bank: $32
U.S. median: no median
NSF / Returned Item
Gate City Bank: No fee
Gate City Bank: No fee
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Nov 2, 2026View sources

Each amount links to the fee schedule it was read from. Medians for North Dakota, the Minneapolis district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
North Dakota: Banks and credit unions headquartered in North Dakota that publish the fee.
Minneapolis district: Banks and credit unions headquartered in the Minneapolis Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

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Published fee schedule

Amounts from Gate City Bank’s own schedules, with a source for each figure.

Account Maintenance

All for a monthly service charge$4.95
per month
Monthly Service Charge$10
per month
Monthly Service Charge$5
per month
Monthly Service Charge$4.95
per month
Below Minimum Balance Fee - Savings (audience not stated, treated as personal)$5
per month
Account Research (audience not stated, treated as personal)$30
Not compared: Charged per hour; comparison unavailable
per hour
Balancing Assistance (audience not stated, treated as personal)$30
Not compared: Charged per hour; comparison unavailable
per hour

Overdraft & NSF

Overdraft Fees (audience not stated, treated as personal)$32
per item
Non-Sufficient Funds (NSF) Fee for items returned (audience not stated, treated as personal)No charge
per item

ATM & Card

Non-Network ATMNo charge
Excessive Card Replacement$5
per item
Domestic Rush Order$25
per item

Wire Transfers

Domestic Outgoing Wire Fee$20
per item
Incoming Wire Fee$15
per item
Foreign Outgoing Wire Fee$50
per item

Check Services

Official Check$5
per item
Stop PaymentNo charge
per item
Stop Payment$30
per item
Non-Collection Items (audience not stated, treated as personal)$10
per item

Cash & Deposit

Deposited Items Returned (audience not stated, treated as personal)$5
per item
Night Deposit Key Replacement (audience not stated, treated as personal)$25
per item

Account Services

Notary FeeNo charge
per item

Other Fees

Overnight Delivery Fee$20
Copy Fee$0.25
Not compared: Charged per page; comparison unavailable
per page
Fax Fee$2
Not compared: Charged per page; comparison unavailable
per page

Fee	Amount	Basis	Note
Account Maintenance
All for a monthly service charge	$4.95	per month	None
Monthly Service Charge	$10	per month	None
Monthly Service Charge	$5	per month	None
Monthly Service Charge	$4.95	per month	None
Below Minimum Balance Fee - Savings (audience not stated, treated as personal)	$5	per month	None
Account Research (audience not stated, treated as personal)	$30Not compared: Charged per hour; comparison unavailable	per hour	None
Balancing Assistance (audience not stated, treated as personal)	$30Not compared: Charged per hour; comparison unavailable	per hour	None
Overdraft & NSF
Overdraft Fees (audience not stated, treated as personal)	$32	per item	None
Non-Sufficient Funds (NSF) Fee for items returned (audience not stated, treated as personal)	No charge	per item	None
ATM & Card
Non-Network ATM	No charge	Not stated	None
Excessive Card Replacement	$5	per item	None
Domestic Rush Order	$25	per item	None
Wire Transfers
Domestic Outgoing Wire Fee	$20	per item	None
Incoming Wire Fee	$15	per item	None
Foreign Outgoing Wire Fee	$50	per item	None
Check Services
Official Check	$5	per item	None
Stop Payment	No charge	per item	None
Stop Payment	$30	per item	None
Non-Collection Items (audience not stated, treated as personal)	$10	per item	None
Cash & Deposit
Deposited Items Returned (audience not stated, treated as personal)	$5	per item	None
Night Deposit Key Replacement (audience not stated, treated as personal)	$25	per item	None
Account Services
Notary Fee	No charge	per item	None
Other Fees
Overnight Delivery Fee	$20	Not stated	None
Copy Fee	$0.25Not compared: Charged per page; comparison unavailable	per page	None
Fax Fee	$2Not compared: Charged per page; comparison unavailable	per page	None

Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided

Correct a fee source

Nov 2, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

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