Education & Tools

Go to www.gatecitybank.com, click on Sign Up and follow the registration instructions. Your Online Banking account will be set up immediately upon verification of the information you provided.

The use of Online Banking is totally FREE. This includes viewing accounts, making transfers, Online Bill Pay, Online Statements, etc.

Gate City Bank's website has a demo that shows an exact replica of all the options we currently offer our Online Banking customers. To view our demo, go to our homepage and select Demo. The system will provide instructions to login and will continue to explain each feature as you click on them.

No. You are the only one that knows your case-sensitive password. If the password is forgotten, you may click the “forgot password?” link below the login area. If you have not previously set up forgotten password information or can't remember the answers to your challenge questions, contact a Call Center Representative.

Keep your passwords in a secure place, and out of plain sight. Don't share them on the Internet, over email, or on the phone. Your Internet Service Provider (ISP) should never ask for your password. In addition, hackers may try to figure out your passwords to gain access to your computer. To make it tougher for them:

• Use passwords that have at least eight characters and include numbers or symbols. The longer the password, the tougher it is to crack. A 12-character password is stronger than one with eight characters.
• Avoid common words: some hackers use programs that can try every word in the dictionary.
• Don't use your personal information, your login name, or adjacent keys on the keyboard as passwords.
• Change your passwords regularly (at a minimum, every 90 days).
• Don't use the same password for each online account you access.

The answers you provide to the challenge questions are format-sensitive. For example, January 1, 2000 is not the same answer as 1/1/2000. You will not need to remember if the answer was entered in upper or lowercase, however you must remember the exact format you entered. To have your information reset, contact a Call Center Representative.

Contact a Call Center Representative to have your information reset. If you are able to access Online Banking on a different computer, you can go to Settings to reset your challenge questions.

For security purposes, your account will be locked if the password or challenge questions are entered incorrectly 5 or more times. You can reset your password by clicking the Forgot Password? link under the login area or by contacting a Call Center Representative.

If you log in the same day as your registration is approved, only the current balances will be displayed. Approximately 60 days of additional account history will be added overnight.  Your account history in Online Banking will continue to grow from this point. 

Online balances, transfers, and transaction history are live and up to the minute. Online Banking will show current balances and any transactions that have occurred during the current day. (The balance and history will match the bank's system.)

Online Banking gives both a principal and payoff balance (with the exception of a mortgage loan payoff). Online Banking shows a breakdown or spread for monthly payments (what was applied to principal or interest).

Regular loan payments can be made from a Gate City Bank checking or savings account online. Currently, Online Banking does not support principal-only or interest-only payments.

Yes. Notifications can be set up for balance (less than or greater than), check cleared (by number), and maturity date (# days prior to maturity.) Notifications are based on your account status at the end of the business day. An email will be sent the following morning. To set up a notification, log into Online Banking, click Account Access, and then Mobile Banking & Alerts.

Text message notifications can be set up using Text Banking or your phone number with a special e-mail extension from your phone carrier.

Online Banking will export the following file formats: Quicken® (QIF and QFX) and Microsoft® Money (OFX.) Transactions can be exported by logging into Online Banking, clicking on Account Access, then Export. Choose the date range, account, and file type. Transactions will be available for download the day after they post to your account. For versions of Quicken that are 2000 or newer, use file type QFX. This process is called Web Connect. For additional Quicken assistance, please visit Quicken's help page.

Note: Microsoft discontinued Money at the end of June, 2009 and their support ended January 2011.

Note: Intuit has a policy of ending support and downloading for Quicken after 3 years.

You may also copy data from your transaction list (Quick Peek and History Page) and paste it into standard spreadsheets like Excel. Highlight and copy the data you want (e.g., date, description or amount) then paste it into a row of the spreadsheet or anywhere you want (Word doc, notepad, etc.).

Will transfers made online post to my account immediately?

Yes. Transfers made online are up to the minute.

You will see 3 pages before the transfer is completed: 

1. The first page is where you will indicate how much to transfer and which accounts to transfer between.
    
2. The second page shows the information entered on the first page and asks you to select the "Confirm Transfer" button or the "Cancel" button.
    
3. The third page will give the transfer specifics and states that the transfer was successful with a reference number. 

Be sure to print out the confirmation screen with the reference number for proof of the transfer. 

Yes. One-time transfers can be scheduled up to 2 years in advance. Recurring transfers can be scheduled weekly and bi-weekly (by day of the week), monthly, twice monthly, quarterly, semi-annually, and annually (by date.) Log into Online Banking, click Account Access, and then Schedule Transfer.

• Change Password
• Change Timeout - The timeout period determines the amount of time between pages that your session is valid. Lower numbers offer more security while higher numbers offer more convenience.
• Login Security - Change Challenge Questions - Set up or change your challenge questions. Apply or remove extra security to your current computer or remove extra security from all computers.
• E-mail Address
• Change Promotional Email Subscription
• History Date Range - This allows you to customize the range of dates that is initially shown on the account history page.
• Default History Sort Order - View transactions in descending or ascending order.
• Change account nicknames - Gives the ability to change account names for easier recognition. Using this feature, you may also elect to not display selected accounts. Selecting the Change Account Nickname feature displays all of your accounts (active and inactive) that may be given an easily recognizable nickname.
• Change User ID - Must be different than your current User ID.

Please contact us  to have accounts added or removed from your Online Banking.

Please note:

New accounts will be added to your account summary automatically within 3 business days.

You may disable an account without removing it completely. Go to Settings, Change Account Nicknames, and then choose the disable function. The account can be enabled at anytime.

Log into Online Banking, click Settings, and then E-mail Address.

To keep your account active, please log into Online Banking at least once every 6 months. Customers who have not logged in for over 6 months (180 days) are considered inactive and will be removed from the Online Banking system for security reasons.