Estate planning at Gate City
How to protect 15 Gate City accounts — manage beneficiaries in-branch, fund a trust in-branch, and file death claims
Customer Service
Phone701-293-2400
Toll-Free800-423-3344
Mailing Address
Gate City Bank, P.O. Box 2847, Fargo, ND 58108-2847
WebsiteLearn more→
Customer Service
Phone701-293-2400
Toll-Free800-423-3344
Mailing Address
Gate City Bank, P.O. Box 2847, Fargo, ND 58108-2847
WebsiteLearn more→
Death Claims / Estate Services
Phone701-293-2400
Toll-Free800-423-3344
Mailing Address
Gate City Bank, P.O. Box 2847, Fargo, ND 58108-2847
Verified Apr 2026
Gate City offers 15 consumer accounts that interact with estate planning in distinct ways. Of those, 11 can name a trust as beneficiary or be retitled into a trust. Understanding the transfer methods available for each account type helps families keep assets out of probate and ensure they pass to the right people.
Gate City handles beneficiary designations in branch. Accounts can also be retitled into a trust to keep them out of probate entirely.
Gate City provides specific procedures for both proactive estate planning and filing claims after a death.
Preparing your estate
Beneficiaries and trust funding
How to update beneficiaries in-branch, fund a trust in-branch, and review 15 account types at Gate City.
View details →When someone dies
Death claim process
4-step process, 6 required documents, and contact information for survivors.
View details →Gate City operates in select states, so estate planning procedures may vary by location. Confirm availability in your state before initiating trust funding or account changes.
Frequently asked questions
No. Gate City Bank does not operate a dedicated internal trust department. The bank offers investment services through Gate City Investment Services (securities offered through LPL Financial), which provides financial planning and retirement planning. For trust administration services, consult an external trust company or estate planning attorney. However, the bank can retitle your deposit accounts into your revocable living trust at any branch location.
Gate City Bank operates 45 branches across 23 communities in North Dakota and central Minnesota. North Dakota locations include Fargo, West Fargo, Grand Forks, Bismarck, Mandan, Minot, Dickinson, Williston, Jamestown, Devils Lake, Wahpeton, Mayville, Park River, Carrington, Mohall, and Hettinger. Minnesota locations include Moorhead, Fergus Falls, Alexandria, St. Cloud, Waite Park, Sauk Rapids, and Elk River.
Visit any Gate City Bank branch with your Certification of Trust or full trust agreement, government-issued ID for all trustees, and your trust tax identification number (EIN) or grantor SSN for revocable trusts. A banker will complete a new account signature card in the trust name and an IRS Form W-9. Existing accounts are retitled or new accounts are opened under trust ownership. Trust retitling cannot be completed online or by mail.
Yes. Gate City Investment Services offers financial planning, retirement planning, and estate planning guidance through advisors registered with LPL Financial. Securities and advisory services are offered through LPL Financial, a registered investment advisor and member FINRA/SIPC. Gate City Investment Services is not a bank affiliate. Contact Gate City Investment Services at 701-551-1889 or visit gatecity.bank/investment-services/ to connect with an advisor.
Simply Save is a round-up savings feature available on Gate City Bank checking accounts. Each debit card purchase is rounded up to the nearest dollar, and the difference is automatically transferred into your linked savings account. This feature is available on Regular Savings, Relationship Savings, Money Market Savings, and High Yield Savings accounts.
The minimum deposit to open a Gate City Bank Certificate of Deposit (CD) is $1,000. CD terms range from 3 months to 5 years with fixed interest rates. Benefit Interest Checking customers qualify for relationship CD rates, which offer higher APYs than standard rates. IRA CDs also require a $1,000 minimum. Early withdrawal penalties apply.
Sources
Data sourced from Gate City primary sources (16 pages reviewed). How we research.
Customer Service
Phone701-293-2400
Toll-Free800-423-3344
Mailing Address
Gate City Bank, P.O. Box 2847, Fargo, ND 58108-2847
WebsiteLearn more→
Customer Service
Phone701-293-2400
Toll-Free800-423-3344
Mailing Address
Gate City Bank, P.O. Box 2847, Fargo, ND 58108-2847
WebsiteLearn more→
Death Claims / Estate Services
Phone701-293-2400
Toll-Free800-423-3344
Mailing Address
Gate City Bank, P.O. Box 2847, Fargo, ND 58108-2847
Verified Apr 2026
Estate planning articles
Learn how to protect your Gate City accounts and other assets with trusts, beneficiary designations, and estate planning documents.
