How to name beneficiaries and fund a trust at Gate City
Covers 10 deposit, 2 retirement, and 3 lending accounts — beneficiaries must be updated in-branch
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 Jul 2026
Estate planning for your Gate City accounts starts with understanding how each one transfers at death. Beneficiary designations and trust retitling both bypass probate, but the right approach depends on the account type, your tax situation, and how much control you want over distributions.
Gate City offers 15 accounts, each with its own transfer rules. The sections below cover how to set up beneficiaries, fund a trust, and which products support each approach.
Totally Free CheckingBenefit Interest CheckingPremium Interest CheckingBankOn CheckingRegular SavingsRelationship SavingsMoney Market SavingsHigh Yield SavingsCertificate of Deposit (CD)Coverdell Education Savings Account (CESA)
1
Visit any of Gate City Bank's 45 branches in North Dakota or Minnesota
2
Request a POD (Payable on Death) beneficiary designation form for deposit accounts, or a beneficiary designation form for IRAs
3
Provide beneficiary details:
- Full legal name
- Date of birth
- Social Security number
- Primary or contingent designation
- Percentage allocation if naming multiple beneficiaries
4
Complete and sign the designation form with a banker
5
Receive confirmation that the beneficiary designation has been added to your account
Required Documents
- Trust name, date established, and tax ID (EIN or SSN)
Special Requirements
- Account owner(s) may change beneficiaries at any time
- On death of the last surviving account owner, ownership passes to the POD beneficiaries
- Beneficiary designation forms must be completed in person at a branch
Sources
Data sourced from Gate City primary sources (18 pages reviewed). How we research.
Download these Gate City instructions
Download instructions for the whole estateA printable PDF with the steps, required documents, and contact details — verified against Gate City primary sources. Bring it to the branch or keep it beside the phone.
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 Jul 2026
Estate planning articles
Learn how to protect your Gate City accounts and other assets with trusts, beneficiary designations, and estate planning documents.
