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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 $0 - $499, $12.00 for average balances $500 - $999, and $10.00 for average balances $1,000 - $1,499. A bank statement is produced monthly with images of deposits and checks. 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. 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


CHECKING PLUS
Guaranty Bank’s personal checking account, Checking Plus, 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. If the average balance is $1,000 or more there is no monthly fee. There are fees of $11.00 per month for average balances $0-$299, $9.50 per month for average balances $300-$499, and $7.00 per month for average balances $500-$999. A monthly bank statement is produced with images of checks and deposits.

BASIC CHECKING
This account is designed for the customer who requires the convenience of a regular checking account but who does not write a large number of checks each month. A $100.00 minimum opening deposit is required. There is a $2.99 per month service charge regardless of the balance. A monthly bank statement is produced without images of checks and deposits.

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 the account maintains an average balance above $500. If the average balance falls below $500 the monthly service is $7.00. 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.

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.