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Checking


Guaranty Bank offers a full range of business checking accounts for the small business, the large corporation, and every business size in between.

BASIC BUSINESS CHECKING
We've tailored this account to meet the banking needs of sole proprietors and other small businesses. Up to 300 items per month can be deposited and up to 75 debits per month can be made on this account. Account analysis charges do not apply – there is a $9.00 per month service charge applied to all balances. A $100.00 minimum opening deposit is required. A bank statement is produced monthly with images of deposits and checks.

COMMERCIAL CHECKING
This account is great for businesses of all sizes. Receive an earnings credit on your average balance for the month to offset any service charges. The service charge on this account is based on a monthly account analysis which includes a $12.00 monthly maintenance charge, .05 per deposited item, and .15 per debit and deposit made. A $100.00 minimum opening deposit is required. A bank statement is produced monthly with images of deposits and checks.

COMMERCIAL MONEY MARKET
This account is ideal for those businesses who want to place excess funds in an account that earns interest and who want the liquidity that a few monthly withdrawals would allow. This federally-regulated account is considered a savings account with limited check writing capabilities.

A $2,500 minimum opening deposit is required. Businesses can make six transfers from their account each four week or similar period, if by pre-authorized or automatic transfer, telephone transfer, check, draft, debit card or similar order payable to third parties. Businesses can make unlimited transfers and withdrawals if they are done in person, by mail or at an ATM.

The service charge is based on a monthly account analysis (see Commercial Checking for details on account analysis charges). A bank statement is produced monthly with images of deposits and checks.

COMMERCIAL NOW ACCOUNT
This interest bearing checking account can be opened by sole proprietorship's not-for-profit organizations, and government entities only. A $100.00 minimum opening deposit is required. The service charge is based on a monthly account analysis (see Commercial Checking for details on account analysis charges). A bank statement is produced monthly with images of deposits and checks.

INTEREST BEARING COMMERCIAL CHECKING
This account is structured in much the same way as the Commercial Checking. The difference is that this account pays interest on a monthly basis. A $100.00 minimum opening deposit is required. The service charge is based on a monthly account analysis which includes a $12.00 monthly maintenance charge, .05 per deposited item, and .15 per debit and deposit made. Because this account pays interest, there is no earnings credit to reduce service charges. A bank statement is produced monthly with images of deposits and checks.