Elevate Checking

Looking for a checking account with a premium interest rate and ATM fee refunds?  Then you'll love Guaranty Bank's Elevate checking account. To qualify for Premium APY¹  of 2.75%, you must have a minimum opening deposit of $50 and meet all of the following requirements per statement cycle:

• A minimum of 15 qualifying Visa® debit card purchases² each statement period (purchases must have posted to the account by the last business day of the statement cycle)
• Receive at least one Direct Deposit³ each statement period (Direct Deposit must have posted to the account by the last business day of the statement cycle), and
• Enroll in Guaranty Bank Internet Banking and enroll to receive E-Statements⁴ for this account.

Don't meet one of these monthly requirements? No problem. You won't earn the premium rewards for that month, but you can start over the following month.

_{Elevate Checking Annual percentage yield (APY). APY is accurate as of January 1,2026, and is not an introductory rate. Rate may change after account opening. Rates will be paid only for that portion of your average daily balance in each tier. 2.75% APY is for average daily balances up to $25,000. To obtain the premium APY you must have an opening deposit of $50 and meet all of the following requirements during each statement cycle for the Edge Checking account:}

• _{Debit Card Activity*: A minimum of 15 qualifying Visa® debit card transactions have posted and settled to your account. ATM transactions do not count toward this requirement.}
• _{Direct deposit*: Have at least one direct deposit ACH (Automated Clearing House) posted and settled to your account; and}
• _{Electronic Statements: You must be enrolled in electronic statements and receive your monthly account statement electronically (e-Statements). Enrollment in Personal Online Banking (via browser or mobile app) and a valid email address are required for e-Statement delivery.}

_{An interest rate of 2.72 % will be paid only for that portion of your average daily balance that is $25,000 or less. The APY for this tier will be 2.75%. An interest rate of .25% will be paid only for that portion of your daily balance that is greater than $25,000. The APY range for this tier will be 2.75% to 0.75%. Regardless of your balance, if you do not meet the requirements listed, the interest rate and APY will be 0.01%.}

_{Paper Statement Fee: Valid email address required for e-Statements. A $3 paper statement fee will be assessed on all accounts that do not sign up for e-Statements. Fees may reduce earnings.}

_{*Qualifying Transactions for APY requirements:}

_{Qualifying Visa® debit card transactions are defined as point-of-sale transactions made with your debit card that are completed using a PIN (personal identification number), signature, contactless, or mobile wallet (e.g., Apple Pay, Google Pay, Samsung Pay).  ATM transactions do not count towards this total. Debit card transactions authorized but not yet posted do not count toward the debit card requirement. Direct deposit ACH examples are, but not limited to, an electronic deposit of your paycheck, pension or government benefits from your employer or the government.  Person to person or Account to Account payments (such as, but not limited to, Zelle, Venmo or CashApp) are not considered a direct deposit.  Direct debit ACH examples would be, but are not limited to, a car payment, mortgage, rent payment or another household bill.} 

_{All qualifying transactions must have posted and settled to the account by the last business day of the statement cycle.}

Switch to Elevate

Our friendly, branch will help you determine if Elevate is best for you. Making the switch from your current financial institution to Guaranty Bank is easy, thanks to their knowledge and expertise.

Monitor Elevate

With Guaranty Bank Mobile Banking, you can safely monitor your Elevate checking account from your phone - and pay bills, transfer funds, set up alerts and find ATMs.

Questions?

Call us at 833.875.2492 Visit our locations