# Gate City Bank Mobile

> Mobile banking app for managing accounts, transfers, payments, and debit card controls. (iPhone/iPad app by Gate City Bank.)

- Source: https://appshunter.io/ios/app/gate-city-bank-mobile/id1345036876 (this page in markdown: same URL + `.md`)
- Developer: [Gate City Bank](https://appshunter.io/developer/514713632)
- Category: Finance, Productivity
- Price: Free
- Rating: 4.80/5 from 10,857 App Store ratings · 172 written reviews indexed
- Age rating: 4+
- Requires: iOS 16.0 · 177 MB
- Languages: American English
- Released: 2018-09-24
- Data updated: 2026-08-27
- Monetization: free
- User reviews in markdown: https://appshunter.io/ios/app/gate-city-bank-mobile/id1345036876/reviews.md

## What is Gate City Bank Mobile?

Mobile Banking That Goes Where You Go.

The Gate City Bank mobile app allows you to manage your finances from anywhere, anytime! Check your account balance, transfer funds, pay bills, deposit checks and access helpful resources – all from the palm of your hand.

Seamless Account Management
•	Track account activity and review transaction images.
•	Easily categorize spending and set financial goals.
•	Set up alerts to stay on top of transactions and account activity.
•	Quickly open additional accounts whenever needed.

Convenient Transfers and Payments
•	Transfer funds between your accounts, or easily send funds to anyone with a Gate City Bank account.
•	Schedule automatic transfers.
•	Conveniently make loan payments.
•	Make person-to-person payments with Zelle®.*

Easy Debit Card Controls
•	Freeze your debit card in seconds if lost or stolen.
•	Monitor your finances with debit card controls and alerts.
•	Plan ahead by adding travel plans to help prevent fraud.
•	Add an enrolled card to mobile wallet.
•	Access debit card rewards to view and redeem your points toward cash back, gift cards, travel and more!

Much More
•	Deposit checks with ease.
•	View and easily export online statements and notices.
•	Sign up for Simply Save, Savings Link and other helpful saving tools.
•	Quickly find your nearest Gate City Bank location.

We’re Here to Help.
OnlineBanking@GateCity.Bank | 701-293-2400 or 800-423-3344 | GateCity.Bank

*Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

Member FDIC. Equal Housing Lender.

## Key features

- Check account balances and transaction history
- Transfer funds between accounts and to others
- Pay bills and schedule automatic payments
- Deposit checks remotely
- Freeze debit cards and set transaction alerts
- Access debit card rewards and mobile wallet
- Find nearby bank locations

## What do users think of Gate City Bank Mobile?

Overall sentiment: mixed

**Pros**

- 👍 Easy to use
- 🚀 Responsive and fast
- 💳 Convenient mobile banking features
- 🤝 Excellent customer service
- 💰 No fees
- 🏦 Great bank overall

**Cons**

- 🐛 Crashes and freezes
- ⏱️ Slow loading times
- 🔒 Login issues and security concerns
- 🤔 Confusing UI changes
- 🔍 Missing features from old app
- 🤯 Frustrating user experience

**Commonly reported bugs**

- Login screen not working
- Mobile deposit not functioning
- Frequent crashes and freezes
- Inconsistent account information

**Most requested features**

- Bring back old app design
- Improve mobile deposit functionality
- Add passcode/biometric login options
- Enhance account management tools
- Integrate Zelle payments

## Recent user reviews (10 of 172)

All indexed reviews: https://appshunter.io/ios/app/gate-city-bank-mobile/id1345036876/reviews.md

### 1/5 — Frustrating

*2026-07-09, version 4021.2.0*

This new app is so frustrating. When I am trying to log into my business app, it will randomly force me to verify the app and will try to call my home phone or my business phone, both of which our landline’s. If I am not at home and or at work and trying to do some business I cannot. So frustrating.

### 5/5 — Grateful

*2026-07-08, version 4021.2.0*

So appreciate the kindness and patience with me as I do my banking business with Gate City Bank.

### 3/5 — Doesn’t work with VPN… Again

*2026-07-02, version 4021.2.0*

I’ve been using this app for a couple of years now and for the most part I’ve been very pleased with it. However from time to time when they perform an app update various portions of the app stop working if you’re using a VPN. With the latest update the app won’t even load with the VPN turned on. The website still seems to work but in the meantime the app has become useless since you have to disable your security for the app to work. I’m using the McCafee VPN with an iPhone 17 Pro Max

### 2/5 — App review

*2026-06-10, version 4021.1.3*

I have to keep logging in every time I want to use the app. I’m now traveling and I have to verify my identity since I have to constantly sign in and I’m unable to. Good app good job 👍👍👍

### 1/5 — Last update made it worse than ever.

*2026-06-04, version 4021.0.2*

I can’t do immediate transfers anymore which caused me to wind up with hundreds of dollars of NSF fees. I presume this was done on purpose by these scum bags. I talked to the bank and they would only refund 4 of them, so they basically stole $128 from me because they changed the app with no notice. Not to mention the app CONSTANTLY makes me verify my identity no matter how many times I click “remember this device.” Also, don’t bank on the app to EVER inform you you’re overdrawn. It legitimately will not tell you for 2-3 days. Again, I assume this is done on purpose to steal your money.

### 5/5 — Best bank ever

*2026-05-22, version 4021.0.2*

Great 5 stars !!

### 2/5 — Mobile Deposit

*2026-05-18, version 4021.0.2*

Latest update ruined mobile deposit.  Go back to the old way.

### 4/5 — App will not load with McAfee VPN

*2026-05-06*

I’ve been using this app for a couple of years now and for the most part I’ve been very pleased with it. However from time to time when they perform an app update various portions of the app stop working if you’re using a VPN. With the latest update the app won’t even load with the VPN turned on. The website still seems to work but in the meantime I will no longer be using the app because it seems ridiculous to have to compromise security, especially to do online banking. I’m using the McCafee VPN with an iPhone 17 Pro Max

**Developer response:** Hi there, thanks for taking the time to share your experience. We’re sorry to hear about the trouble using “Move Money” while connected to a VPN—we understand how important both security and functionality are. Please give us a call at 800-423-3344 so we can take a closer look and help troubleshoot this for you. We appreciate your feedback!

### 5/5 — The most important part of a successful business

*2026-04-29, version 4020.2.0*

Very great app tonight 10 most recommended

### 2/5 — Buggy app

*2026-04-20, version 4020.2.0*

About every other time I log in the app crashes and I have to reset my phone before I try again. Again and again! It’s a hassle! Still malfunctioning. Almost daily.

## Frequently asked questions about Gate City Bank Mobile

### What can I do with the Gate City Bank mobile app?

The app allows you to manage your finances from anywhere. You can check account balances, review transaction history, transfer funds between accounts, pay bills, deposit checks, and control your debit card. It also provides access to helpful resources and bank locations.

### How do I transfer money using the app?

You can easily transfer funds between your own Gate City Bank accounts. The app also allows you to send funds to other individuals with a Gate City Bank account and make person-to-person payments using Zelle®. You can also schedule automatic transfers for convenience.

### What are the debit card controls available?

The app offers robust debit card controls, including the ability to freeze your card instantly if it's lost or stolen. You can also monitor your finances with debit card alerts, add travel plans to prevent fraud, add your card to a mobile wallet, and access rewards points for redemption.

### Is there a cost to use the Gate City Bank mobile app?

Based on the provided information, the app is free to download and use. There are no mentioned subscription fees or costs associated with its core banking functionalities.

### What if I lose my debit card?

If you lose your debit card, you can immediately freeze it within the Gate City Bank mobile app. This helps to prevent unauthorized transactions. You can also set up alerts to monitor your card activity and add travel plans to notify the bank of your upcoming trips.

## Version history (last 5 releases)

### 4022.1.1 — 2026-08-18

Our new experience provides easier access to the features you use most while on the go. This new version includes updates to the accounts, mobile deposit and navigation experience.

### 4022.0.0 — 2026-07-24

Our new experience provides easier access to the features you use most while on the go. This new version includes updates to the accounts, mobile deposit and navigation experience.

### 4021.2.0 — 2026-06-25

Our new experience provides easier access to the features you use most while on the go. This new version includes updates to the accounts, mobile deposit and navigation experience.

### 4021.1.3 — 2026-06-09

Our new experience provides easier access to the features you use most while on the go. This new version includes updates to the accounts, mobile deposit and navigation experience.

### 4021.0.2 — 2026-05-04

Our new experience provides easier access to the features you use most while on the go. This new version includes updates to the accounts, mobile deposit and navigation experience.

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*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-27.*