Gate City Bank is a mutually owned bank based in Fargo, North Dakota, operating 45 branches across North Dakota and central Minnesota. It offers a range of services including checking accounts, savings accounts, CDs, mortgages, and personal loans. The bank is known for its fee-free checking accounts and unlimited ATM fee refunds, making it appealing to individuals seeking hassle-free banking. Its unique selling proposition is the elimination of fees for out-of-network ATMs and a strong focus on community involvement and customer service. The target audience includes local residents and businesses in its service area.