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Personal Banking Products

Guaranty Bank makes managing your money even easier. Personalized options, responsive service and knowledgeable employees guarantee you've found a better way to bank. Safely access your accounts by downloading our Mobile Banking App.


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Guaranty Bank makes managing your money even easier. Personalized options, responsive service and knowledgeable employees guarantee you've found a better way to bank. With a variety of Checking Account options, you have the freedom to choose an account that fits both your lifestyle and your financial needs.

Round up logo

We make it easy to build your savings automatically from your debit card activity. Automatically round up your everyday debit card transactions to the nearest whole dollar and send the extra change directly into your savings account. It's that easy and works with any Guaranty Bank checking account, debit card and a regular savings account. Sign-up is easy, just call toll-free 1.833.875.2492 or visit any Guaranty Bank location


ELITE CHECKING

Give your money a leg up with Elite Checking — the checking account that comes with rewards including competitive interest and so much more!

Beef up your interest-bearing account by adding Extra benefits powered by BaZing to Elite Checking for just $4/month!
BaZing benefits include: ID ProtectALL Package*, cell phone protection*, grocery coupons, shopping, dining & travel discounts, Downloadable app used to search and redeem several coupons and discounts, $10,000 travel accidental death insurance, roadside assistance, pharmacy, vision & hearing savings. * See Guaranty Bank branch for details.

Minimum Balance for APY1 APY1 Minimum to Open
$0.01 - $9,999.99 0.10% $50.00
$10,000.00 + 0.25% $50.00

(1) Annual Percentage Yield (APY) accurate as of October 7, 2022 and is not an introductory rate. Rate may change after account is opened. Fees may reduce earnings. $10 monthly service charge for Elite Checking. Reduce by $5 with minimum $1,000 per month in deposits. Reduce by $5 with minimum 25 debit card swipes per month. ATM-processed transactions do not count toward qualifying debit card transactions. Monthly paper statement fee $3, waived with eStatement enrollment or $10,000 daily minimum balance.


EXTRA CHECKING

Choose checking that lets you be you. Shop, travel, and bank on your terms with the exciting services and benefits that come with our Extra Checking account, powered by BaZing!

Extra BaZing benefits include: ID ProtectALL Package*, Cell phone protection*, Grocery coupons, Shopping, dining & travel discounts, Downloadable app used to search and redeem several coupons and discounts, $10,000 travel accidental death insurance, Roadside Assistance,Pharmacy, vision & hearing saving. * See Guaranty Bank branch for details.

Monthly paper statement fee $3, waived with eStatement enrollment.


ESSENTIAL CHECKING

Just the basics. Essential Checking offers only what you need, without extras you don't want.


SECOND CHANCE CHECKING

Guaranty bank second chance checking 2021 2022The average person without a bank account spends nearly 5% of their net income on unnecessary fees at alternative financial institutions, and still doesn’t have access to all the money-saving features of a mainstream bank. Don’t spend more than you have to, take advantage of our Second Chance Checking Account instead.

  • Safe & secure account to store your earnings and begin saving
  • Instant-issue debit card
  • Free access to 37,000+ nationwide MoneyPass® ATMs
  • Online banking & mobile banking
  • Online bill pay
  • Free eStatement
  • 24/7 telephone banking
  • Live operators and local customer service
  • $25 minimum deposit to open
  • $5 monthly service charge
  • No inactivity fees

Eligibility. Second Chance Checking is designed for customers of Guaranty Bank who do not pass ChexSystems and do not have account abuse or fraud noted in the ChexSystems records. Customers who maintain their Second Chance Checking account for more than 12 months with fewer than three instances of overdrafting are eligible to request transfer to another offered account.

Guaranty Bank Second Chance Checking is not a savings or interest checking account. Customers will not earn interest on their Second Chance Checking accounts. Customers will not have access to printed checks or Elite account benefits. The account is not eligible for overdraft protection. In the event of overdraft or insufficient funds checks/ACH will be returned unpaid. Monthly $5 service charge. Monthly paper statement fee $2, waived with eStatement enrollment; $2.50 foreign ATM access fee. Guaranty Bank reserves the right to modify this program at any time.


No matter what your unique financial situation, We offer a variety of savings options, to help you meet your short- and long-term goals.

Round up logo

Make saving a breeze. Automatically round up your everyday debit card transactions to the nearest whole dollar and send the extra change directly into your savings account. It's that easy.

  • Build your savings automatically from your debit card activity
  • Works with any Guaranty Bank checking account, debit card and a regular savings account
  • Easy sign up, just call toll-free 1.833.875.2492 or visit any Guaranty Bank location

REGULAR SAVINGS ACCOUNT

Make tomorrow better by saving today. Our Regular Savings helps you meet savings goals faster with competitive interest —  plus, free online services to manage your money.

  • Earn competitive interest
  • Maintain safekeeping for your funds
  • Avoid $7 quarterly service charge by maintaining a $250 minimum daily balance
  • Unlimited in-person withdrawals
  • 6 pre-authorized withdrawals per calendar month
  • Free online banking
  • Free eStatements
  • Free mobile banking
  • Free Visa® ATM card
Minimum Balance for APY1 APY1 Minimum to Open
$0.01 + 0.10% $50.00

(1) Annual Percentage Yield (APY) accurate as of September 1, 2022, and is not an introductory rate. Rate may change after account opening. Fees may reduce earnings.


MINOR SAVINGS (must be under 18)

Help your kids learn real-life saving skills! Whether stashing cash for back-to-school clothes or building a college fund, our free youth savings account makes it simple with competitive interest.

  • Available to teens and kids, ages 18 and under
  • Learn the value of savings from an early age
  • Earn competitive interest
  • No monthly service charge
  • Balance can be rolled into another Guaranty savings account or CD
  • No minimum balance requirements
  • Free online banking
  • Free eStatements
Minimum Balance for APY1 APY1 Minimum to Open
$0.01 + 0.15% $25.00

(1) Annual Percentage Yield (APY) accurate as of September 1, 2022, and is not an introductory rate. Rate may change after account opening.  Fees may reduce earnings.


CLUB ACCOUNTS

Vacation Club

  • No monthly service charge
  • Make small deposits as frequently as you like; minimum deposit amount $5
  • Save for the perfect vacation throughout the year
  • Avoid accruing credit card debt or being short one month
  • Save independently from safety net savings
  • Set up recurring automatic deposit for hands-free saving
  • Penalty for early withdrawal(2)
  • Funds disbursed May 15 via direct deposit or check
  • Free online banking
  • Free eStatements
  • Free mobile banking

Christmas Club

  • No monthly service charge
  • Make small deposits as frequently as you like; minimum deposit amount $5
  • Save for the holidays throughout the year
  • Avoid accruing credit card debt or being short one month
  • Save independently from safety net savings
  • Funds transferred from a checking or savings account monthly
  • Set up recurring automatic deposit for hands-free saving
  • Penalty for early withdrawal(2)
  • Funds disbursed October 31 via direct deposit or check
  • Free online banking
  • Free eStatements
  • Free mobile banking
Minimum Balance for APY1 APY1 Minimum to Open
$0.01 + 0.15% $5.00

(1) Annual Percentage Yield (APY) accurate as of September 1, 2022, and is not an introductory rate. Rate may change after account opening. Fees may reduce earnings. (2) Early withdrawal results in loss of all accrued interest.

Our Money Market account offers a higher interest yield than standard savings and allows for spending flexibility.


MONEY MARKET

Reward your good saving habits with higher rates — without missing out on account access! A money market offers the best of both worlds: interest and liquidity.

  • May earn higher rate than traditional savings
  • Earn more as your balance increases through our tiered rate system
  • Minimum daily balance required to earn interest
  • Avoid $10 monthly service charge by maintaining a $1,000 minimum daily balance
  • 6 free checks or pre-authorized transfers are allowed per statement cycle
  • Free online banking
  • Free eStatements
  • Free mobile banking
Minimum Balance for APY1 APY1 Minimum to Open
$1,000.00 - $9,999.99 0.20% $50.00
$10,000.00 - $24,999.99 0.20% $50.00
$25,000.00 - $49,999.99 0.25% $50.00
$50,000.00 - $99,999.99 0.25% $50.00
$100,000.00 - $499,999.99 0.35% $50.00
$500,000.00 + 0.50% $50.00

(1) Annual Percentage Yield (APY) accurate as of September 1, 2022, and is not an introductory rate. Rate may change after account opening.  Fees may reduce earnings.

Upgrade your investment strategy with a risk-free CD with terms ranging from 3 months to 6 years. Because rates are fixed based on the term of your choosing, your money remains out of the hands of market fluctuations. Get started today with a $1,000 minimum deposit.


3 MONTH CD

Minimum Balance for APY1 APY1 Minimum to Open
$0.01 + 0.50% $1,000.00



6 MONTH CD

Minimum Balance for APY1 APY1 Minimum to Open
$0.01 + 0.60% $1,000.00



12 MONTH CD

Minimum Balance for APY1 APY1 Minimum to Open
$0.01 + 0.70% $1,000.00



18 MONTH CD

Minimum Balance for APY1 APY1 Minimum to Open
$0.01 + 0.75% $1,000.00



24 MONTH CD

Minimum Balance for APY1 APY1 Minimum to Open
$0.01 + 0.85% $1,000.00



36 MONTH CD

Minimum Balance for APY1 APY1 Minimum to Open
$0.01 + 0.85% $1,000.00



48 MONTH CD

Minimum Balance for APY1 APY1 Minimum to Open
$0.01 + 0.85% $1,000.00



60 MONTH CD

Minimum Balance for APY1 APY1 Minimum to Open
$0.01 + 0.85% $1,000.00



72 MONTH CD

Minimum Balance for APY1 APY1 Minimum to Open
$0.01 + 0.85% $1,000.00

(1) Annual Percentage Yield. APY rates are effective as of September 1, 2022 and are subject to change. Early withdrawal penalties may apply.


CEDARS

Gain multi-million dollar FDIC insurance without having to do a thing. Guaranty Bank will handle the logistics while you make guaranteed money with ease.

  • Multi-million dollar FDIC insurance coverage
  • All CD investments managed through a single relationship
  • One interest rate, one regular statement
  • Flexible maturity periods available
  • Annual tax statement consolidated in one report

To set up CDARS, please contact your local Guaranty Bank branch.

Limits apply. Funds may be submitted for placement only after a depositor enters into a CDARS® Deposit Placement Agreement with us. The agreement contains important information and conditions regarding the placement of funds by us. CDARS and Certificate of Deposit Account Registry Service are registered service marks of Promontory Interfinancial Network, LLC

Spending time with the grandkids or traveling the world — it's never too early to start thinking about your future. Start saving for it, too, with a Traditional, Roth, or Open IRA from Guaranty Bank.


INDIVIDUAL RETIREMENT ACCOUNT (IRA)

  • Tax-advantaged retirement savings *
  • May earn higher rate than traditional savings
  • Terms ranging from 1 to 6 years
  • Traditional and Roth IRA options
  • No setup charges
  • No monthly or annual maintenance charges
  • $6,000 contribution limit per year
  • Additional $1,000 "catch-up" contribution allowed for ages 50+
  • Funds used to purchase CDs within IRA

* Consult a tax advisor


TRADITIONAL VS ROTH

There are advantages to both traditional and Roth IRAs. One of the biggest differences is the time at which you see the most advantage. A traditional IRA provides potential tax relief today, while a Roth IRA has the potential for the most tax benefit at time of retirement.

Traditional IRA

  • No income limits to open
  • No minimum contribution in any year allowing flexibility
  • Contributions may be tax deductible on state and federal income tax1
  • Earnings are tax deferred until withdrawal (when usually in lower tax bracket)
  • Withdrawals can begin at age 59½
  • Early withdrawals subject to penalty2
  • Mandatory withdrawals at age 70½
  • Members under age 70½ may contribute $6K maximum per year

Roth IRA

  • No minimum amount to set up
  • Income limits to be eligible to open Roth IRA3
  • Contributions are NOT tax deductible
  • Earnings are 100% tax free at withdrawal1
  • Principal contributions can be withdrawn without penalty1
  • Qualified Withdrawals on dividends can begin at age 59½
  • Early withdrawals on dividends subject to penalty2
  • No mandatory distribution age
  • No age limit on making contributions as long as you have earned income

(1) Subject to some minimal conditions. Consult a tax advisor.  (2) Certain exceptions apply, such as healthcare, purchasing first home, etc. (3) Consult a tax advisor.


Guaranty Bank also offers an Open IRA, which provides additional flexibility to your retirement savings contribution planning.

  • Tax-advantaged retirement savings*
  • May earn higher rate than traditional savings
  • Only available in 2-year term
  • Traditional and Roth IRA options
  • No setup fees
  • No monthly or annual maintenance fees
  • $5,000 contribution limit per year
  • Additional $1,000 "catch-up" contribution allowed for ages 50+
  • Funds used to purchase renewable 2-year CD within IRA
  • Additional deposits can be made at any time to make saving easier ($25 minimum)
  • Automatic deposits can be set up from any bank account

* Consult a tax advisor

12 MONTH IRA

Minimum Balance for APY1 APY1 Minimum to Open
$1,000.00 + 0.80% $1,000.00

18 MONTH IRA

Minimum Balance for APY1 APY1 Minimum to Open
$1,000.00 + 0.80% $1,000.00

24 MONTH IRA

Minimum Balance for APY1 APY1 Minimum to Open
$1,000.00 + 0.80% $1,000.00

36 MONTH IRA

Minimum Balance for APY1 APY1 Minimum to Open
$1,000.00 + 0.80% $1,000.00

48 MONTH IRA

Minimum Balance for APY1 APY1 Minimum to Open
$1,000.00 + 0.80% $1,000.00

60 MONTH IRA

Minimum Balance for APY1 APY1 Minimum to Open
$1,000.00 + 0.80% $1,000.00

72 MONTH IRA

Minimum Balance for APY1 APY1 Minimum to Open
$1,000.00 + 0.80% $1,000.00

IRA OPEN CERTIFICATE - 2 YEAR TERM

Minimum Balance for APY1 APY1 Minimum to Open
$25.00 + 0.80% $25.00

(1) Annual Percentage Yield (APY) accurate as of September 1, 2022. Rate may change after account opening.  Fees may reduce earnings. Substantial penalty for early withdrawal of certificates.

You wouldn’t ignore a leaky pipe in your house — why ignore a runny nose? Prevent small symptoms from turning into huge health concerns and make your wellbeing a priority with an interest-bearing HSA.


HEALTH SAVINGS ACCOUNT (HSA)

  • Prepare for healthcare costs
  • May earn higher rate than traditional savings
  • Earn higher interest on larger balances through our tiered rate system
  • Must have high deductible health plan coverage
  • Tax deductions when you contribute to your account*
  • Tax-free earnings through investment
  • Tax-free withdrawals for qualified medical expenses
  • Maintain account even if you change jobs, change medical coverage, or move
  • No set up cost or annual charges
  • Free Visa HSA® debit card
  • Unlimited withdrawals
  • No minimum deposit to open
  • Federally insured by FDIC

Eligibility

Most adults under 65 who are not enrolled in Medicare and are covered under a high-deductible health plan (HDHP) can qualify for an HSA, but it is up to the account holders to determine their own eligibility. Please contact your tax advisor for further eligibility requirements.

Minimum Balance for APY1 APY1 Minimum to Open
$0.01 - $9,999.99 0.80% $50.00
$10,000.00 - $24,999.99 0.80% $50.00
$25,000.00 - $49,999.99 0.80% $50.00
$50,000.00 - $99,999.99 0.80% $50.00
$100,000.00 + 0.80% $50.00

* Direct deposit from your paycheck will reduce your taxable earnings. If contributions are made after income was taxed, the amount deposited is tax deductible. Consult a tax advisor. (1) Annual Percentage Yield (APY) accurate as of September 1, 2022, and is not an introductory rate. Rate may change after account opening. Fees may reduce earnings.