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Checking


Whether you are looking for a simple, no-frills checking account, or one with a full complement of features, Guaranty Bank has the  account to meet your needs.


Interest-bearing Checking Accounts

NOW ACCOUNT
The NOW Account is a very popular interest-bearing account with our customers. A $100.00 minimum opening deposit is required. There is no monthly service charge if the average daily balance is $1,500 or more. The monthly service charge is $15.00 for average balances below $1,500 and a $3.00 charge for mailed bank statements.  Interest is accrued daily and paid monthly.

MONEY MARKET ACCOUNT
This account affords the benefits of a checking account and the investment advantage of a savings account all in one simple account. A $2,500.00 minimum opening deposit is required. There is a $10.00 monthly service charge for average balances less than $2,500 and a $5.00 charge for all debits in excess of 6 per statement cycle. There is a $3.00 charge for mailed bank statements.  Interest is accrued daily and paid monthly.  Customers 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. Customers can make unlimited transfers and withdrawals if they are done in person, by mail or at an ATM. Bank statements are produced monthly with images of checks and deposits.

Non-interest bearing Checking Accounts


FREEDOM CHECKING
Guaranty Bank’s personal checking account, Freedom Checking, is the most popular account we offer. This account provides the customer with a safe and reliable method of handling personal funds, and an accurate record of all transactions. A $100.00 minimum opening deposit is required. There is no monthly service charge.  A monthly bank statement is produced with images of checks and deposits.  There is a $3.00 per month charge for mailed statements.  E-statements are free.

GUARANTY 62
This account is available to our senior citizens (ages 62 and older). A $100.00 minimum opening deposit is required. There is no monthly service charge. If enrolled in Direct Deposit, checks are free (club checks). This account offers ½ off service charges for cashier’s checks, stop payments, and wire transfers. A monthly bank statement is produced with images of checks and deposits.  Both paper statements and e-statements are free.

ADVANTAGE CHECKING
This is Guaranty Bank’s club checking account and it offers many benefits including credit card protection; travel rebates; ½ price service charges for cashier’s checks, stop payments and wire transfers. A $100.00 minimum opening deposit is required. The service charge is based on the plan selected. The monthly service charge is $11.00 for the Gold Plan, $10.00 for the Silver Plan, and $9.00 for the Basic Plan. All debits in excess of 20 per statement cycle are charged .10 per debit.  There is a $3.00 per month charge for mailed statements.