Love banking at Guaranty Bank?

Invite a friend to open any checking account with Guaranty Bank and you'll both earn a $50 bonus! You can earn unlimited referrals!*

It's easy to refer your friends! Simply share the promo code FRIEND to take advantage of this offer.

And if that's not enough, be sure to mention to your friends the following additional Guaranty Bank benefits:

• 14 Convenient Locations
• Online and Mobile Banking Tools - helping you stay on top of finances.
• Mobile Banking and Deposit - our app lets you pay bills, make deposits, check balances, transfer funds and set up alerts from your mobile phone.
• Mobile Wallet - creating a safe and easier way to pay with a simple tap of your phone.
• eStatements - a secure way to view your monthly statement through online banking.
• Zelle - the fast, safe and easy way to send money to friends and family.

_{To receive the $50 Refer-A-Friend bonus, all of the following criteria must be met: refer a new client to open any consumer checking account, subject to approval, and all of the following requirements have been met on the new client’s account within 90 calendar days of account opening (“qualifying period”):}

• _{Request, activate, and use the VISA debit card at least once during the qualifying period;}
• _{A reoccurring direct deposit or direct debit made through the Automated Clearing House (ACH) network has posted and settled to the account;}

_{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 “qualifying period”.}

_{Additional terms of the Refer-A-Friend Offer: The new referred account must remain open, active (not closed or restricted) for a minimum of 30 calendar days from date of account opening and have a positive balance at the time of bonus payment, otherwise neither account will be eligible for the bonus payment. New client cannot have a previously closed Guaranty Bank consumer checking account within the past 12 months. Only new consumer checking clients are eligible. Employees of Guaranty and its affiliates are not eligible. Cannot be combined with other offers. Must be a Missouri resident to open an account. Refer-A-Friend offer is subject to change without notice. Existing clients can earn unlimited Refer-A-Friend bonuses.  All bonuses will be reported to the IRS as applicable. Clients will be responsible for applicable taxes on this bonus. Consult your tax advisor.}

_{Refer-A-Friend Bonus Payment: Guaranty Bank will begin to review accounts for eligibility once the new client’s account has been open for at least 60 calendar days and will continue to review for eligibility through the last day of the 180-day qualifying period, or until all qualifying activity has been completed and verified.  Once all requirements have been confirmed, the Refer-A-Friend bonus will be credited to both the new client and referred client within 30 calendar days after verification. Bonuses will be applied as a credit to the account.}

_{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 January 2, 2026 and is not an introductory rate. Additional account requirements will apply to the Elevate Checking account to obtain the premium APY.  Rate may change after account opening. Fees could reduce earnings. Minimum opening deposit requirements will range from $25-$50 depending on the account type. Visit www.gbankmo.com for more information on our consumer checking products.}

_{Important Information: Due to the confidential nature, we cannot disclose any information about qualifying accounts opened by the friends you invite.}