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Visit one of our 6 convenient Springfield locations to open your checking account.
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Banking 101 with Guaranty Bank
Your Friendly Guide to Banking in the U.S.
Opening a U.S. bank account helps you manage your own money, pay for daily needs, and receive payments safely and easily. We keep the process simple and support you every step of the way.
- Checking Account: Everyday spending and debit card use
- Savings Account: Save money and earn interest
- APY: Interest the bank pays you
- APR: Interest you pay when borrowing
- FDIC: Government protection for deposits up to $250,000
Bring a passport (for international students) or a driver’s license or state ID (if available), and a Social Security Number if you have one (not required for everyone). An opening deposit is optional but accepted.
Look for student-friendly accounts with low fees, mobile banking, debit card access, competitive interest rates, international transfer options, and student bonus offers. Zelle® is available for U.S. bank-to-bank transfers only.
Guaranty Bank is a community-focused bank trusted by students and families. We provide personalized service and one-on-one support.
- Premium checking with high APY options
- Convenient ATM near MSU Campus
- One-on-one personalized support
- Multilingual assistance and interpretation
- Continued support if you move outside of Springfield area
Promotion is valid for accounts opened between August 1, 2026 through September 30, 2026. Offer is valid to international students who are currently enrolled at Missouri State University. Proof of eligibility may be required. Offer is subject to change without notice. Account must be opened in person to qualify for the offer. Minimum opening deposit requirements range from $25 - $50, depending on the checking account type. (For Example, Bank On Checking minimum - $25 and Elevate Checking- $50).
1Consumer Checking Account Bonus Offer: Earn a $300 bonus when you open a new consumer checking account, subject to approval, and meet all the following requirements for your account type within 60 calendar days of account opening (“qualifying period”).
To qualify for the Bonus Offer:
- Use your account’s VISA debit card* at least three (3) times during the qualifying period;
- Enroll in Personal Online Banking and receive your monthly statements electronically (e-Statements) each statement cycle. Valid email address required for e-Statement delivery;
- Account must be open for a minimum of 30 days and maintain a positive balance.
Qualifying Transactions: Debit card purchases must be point-of-sale transactions (ATM transactions do not qualify). See full account terms for additional details.
Bonus Payment: The bonus will be deposited into the account within 30 calendar days after all of the qualifying requirements are met, provided the requirements were met within the “qualifying period”, the account is open and has a positive balance at the time of the bonus payment.
Additional Terms: This offer is limited to one bonus per tax identification number. Clients who have previously received a new account bonus are not eligible. Business accounts and Empower Youth Checking are not eligible for this promotion. Offer cannot be combined with other offers. Early closing fee may apply.
Consumer Checking Annual Percentage Yield (APY) will range from 0.00% - 2.75% depending on the account type that is opened. APY range is accurate as of July 1, 2026. Additional account requirements will apply to the Elevate Checking account to obtain the premium APY. Rate may change after the account is opened. Fees could reduce earnings. Visit www.gbankmo.bank for more information on our consumer checking products.