Checking Accounts

What types of checking accounts do you offer?

We offer 3 different types of checking accounts to meet your financial needs:

  • Easy Checking: Easy Checking saves you time and money. There’s no minimum balance, and no per check fee. It also comes with convenient and exciting extras like free Online Banking. For information on Easy Checking, click here.
  • Coverage Checking: Coverage Checking was created to give you added protection. For a small monthly fee, you gain the reassurance of a $50 Grace Zone. (yes, you read that right.) So if you happen to overdraft by a little, the Grace Zone could save you money in the long run and give you peace of mind. For more information on Coverage Checking, click here.
  • My Money Account: If you like the ease and reliability of a prepaid card, you’re going to love My Money - an account with no overdraft fees. Unlike a prepaid card, you get full access to our helpful branches and valuable services, like no check cashing fees and free Online BillPay. You’ll find My Money is a better way to manage your finances. For one low fee of $10 per month ($5 with qualifying activity) you get the tools you need for today, like Visa® Debit card and check writing with no per check fees. And most importantly, the support of our professional bankers to help you build a better tomorrow. You can choose between Online Statements for free or paper statements for $2 per month.  For more information on My Money, click here.

Click here to compare our checking accounts and find the best fit for you!

Ready to get started?

Click here to apply online, stop into a local branch, or call us at 1-855-584-2309.

What is the opening deposit requirement to open a checking account?

All of our checking accounts require a minimum opening balance of $25. 

Ready to get started?

Click here to apply online, stop into a local branch, or call us at 1-855-584-2309.

 

Where can I find a complete listing of terms and conditions for my checking account?

To view the complete listing of your account's terms and conditions, please visit our Disclosures section.  Click here.

How can I place an order for checks?

If there are no changes to your checks you may process your check re-order online by:

  • Clicking below OR

  • Log into Online Banking, click the Customer Service tab. Under Account Services, click the Order Checks link. 

 

If you have not ordered checks with us yet, or if you need to make changes to your current checks, please visit your nearest branch location, or contact the Customer Service Center at 1-800-235-4636 and they will be able to process the order for you.

How can I place an order for an ATM/debit card for my checking account?

To place a first time order for an ATM/debit card, please visit one of our local branch locations or contact our Customer Service Center by phone at 1-800-235-4636.

Why was I charged a $2 fee on my checking account?

A monthly fee of $2 applies if you elect paper statements.  An additional monthly fee of $2  will apply for paper statements with check image copies.  Don't need paper statements?  You can avoid the $2 paper statement fee and choose to enroll in Online Documents (Notices and Statements) for free!

Savings Accounts

What type of savings accounts do you offer?

We offer the following saving accounts:

  • Regular Savings: Basic savings account for everyday saving needs. This account is interest bearing with a low minimum balance requirement of $25.  For more information on our Regular Savings, click here.
  • Ultimate Money Market:   A tiered interest rate savings account that provides a competitive rate and the flexibility of daily liquidity and convenient check writing.  For more information on our Ultimate Money Market account, click here.
  • Kids Club: A savings account geared towards kids to start great saving habits. Start earning interest with as little as $10. For more  information on our Kids Club savings account, click here.
  • Savings for the Future: A high interest rate, one year CD (Certificate of Deposit) savings account.  Our Savings for the Future  account pays you an interest rate typically reserved for balances of $1,000 or more, but only requires you to open with $25.  Unlike a traditional CD, our Savings for the Future account allows you to make deposits at anytime while still earning a competitive rate.  For more information on our Savings for the Future account, click here.  
  • CD (Certificate of Deposit): High interest rate savings accounts with locked in terms for a guaranteed rate.  Our CD account terms range from 6 months to 5 years to provide flexibility in saving for your short term and long term investment needs. Start saving and earning interest with a minimum  of $1,000. For more information on our CD accounts, click here.
  • Retirement Planning: Savings accounts designed to provide you flexible and convenient retirement plans to fit your needs.  Our Retirement Planning savings accounts include:

           For more information on our Retirement Planning savings accounts, click here.

Click here to compare our savings accounts and find the best for you!

Check out our current rates here.

Ready to get started?

Click here to apply online* or  stop into a local branch.

*Only Regular Savings can be opened online.  For all other saving account types,  please stop into a local branch.

What is the opening deposit requirement to open a savings account?

The minimum amount to open a savings account varies depending on the account type.  It ranges from as little as $10 to as high as $2,500.  To view our complete minimum opening balance requirements and to view our current rate sheet, click here.

Ready to get started?

Click here to apply online* or stop into a local branch.

*Only Regular Savings can be opened online.  For all other saving account types,  please stop into a local branch.

Where can I find your current interest rates?

For a list of our current interest rates,  click here. 

Are the number of transactions I can make limited on my Regular Savings account?

There is no limit to the number of in-person deposits and withdrawals from your Regular Savings account. Transfers from a statement savings account to another account, or to third parties by preauthorized, automatic, telephone, or online (via Online or Mobile Banking) transfer are limited to six per month.

 

Are the number of transactions I can make limited on my Kids Club Savings account?

There is no limit to the number of in-person deposits to and withdrawals from your account. Transfers from a statement savings account to another account or to third parties by preauthorized, automatic, telephone, or computer transfer are limited to six per month.

Can I order checks for my savings account?

Checks are not available on saving accounts.

Can my Regular Savings account have a debit card?

Regular Savings accounts are eligible for ATM cards only.  ATM cards can be used at any Guaranty Bank ATM.

Please note, an existing Visa® Debit Card for your Guaranty Bank checking account can have your Savings account linked to it as a secondary account for ATM use only.

 

Are there any transaction limitations or penalities on my CD (Certificate of Deposit) account?

Except as listed below, you may not deposit to your certificate account until the maturity date. The Savings for the Future 1-year CD allows deposits of any amount at any time. Credited interest may be withdrawn without penalty at any time during the term that it’s earned.

The penalty for withdrawal of principal prior to a maturity date is a loss of interest, whether earned or not, on the amount withdrawn for the number of days listed below based on the interest rate being paid at the time of withdrawal. Penalties are waived in the case of death or incompetence.

  • Savings for the Future CD: 90 days
  • Certificate terms less than 1 year: 90 days
  • Certificate terms 1 year and over: 180 days

If the balance falls below the minimum balance required, it shall be considered a withdrawal of the entire balance and be subject to the penalty described above.

Will I receive a statement for my CD (Certificate of Deposit) account?

Only Savings for the Future CD accounts receive monthly statements. All other CD accounts will receive an annual statement. If annual interest earned on the CD is more than $10, you will be sent a 1099 INT form by January 31.

Is there a grace period before my CD (Certificate of Deposit) automatically renews?

All CDs have a seven day grace period after the term expires before the CD automatically renews for another term. During your grace period, you can visit the branch to close the CD and deposit the funds into your account or change the term.

Does my Regular Savings account have a minimum balance requirement?

Your Regular Savings account has a minimum daily balance requirement of $25. If at any time during your statement cycle your balance falls below the daily minimum balance requirement, a monthly fee of $5 is charged. This fee will close the account if the account balance is $5 or less.

Does my Kids Club Savings have a minimum balance requirement?

Kids Club Savings accounts do not have a minimum balance requirement until the primary owner is 21 years of age. When the primary owner is 21 years of age, the account is subject to a monthly fee of $5 if the daily balance falls below $25. This fee will close the account if the account balance is $5 or less.

I didn't receive a statement for my savings account this month. Why?

Monthly statements are generated for savings accounts with activity. In the event there is no activity on your savings account, your statement will be sent to you quarterly (March, June, September, December).

 

Where can I find a complete listing of terms and conditions for my savings account?

To view the complete list of your account's terms and conditions, please click here.

Credit Builder

What is Credit Builder?

Credit Builder is a personal loan secured by a $1,000 Certificate of Deposit (CD). If you make timely payments against your Credit Builder loan, you have the opportunity to improve your credit score.

For more information on Credit Builder, click here.

 

Ready to get started?

Stop into a local branch or call us at 1-855-584-2309.

When will I receive the $1,000 from my Credit Builder?

After you’ve made all your payments over the full-term of the loan, you will receive the $1,000. The purpose of Credit Builder is to build your credit and your savings, so think of this as a benefit to your financial health with the addition of a nice payout once complete.

How long is the term of the loan?

The Credit Builder program is a 5 year term. However, you may choose to cancel Credit Builder at any time. If the Credit Builder program is cancelled before the end of the 5 year term, you will receive back any principal paid into the loan and any interest earned on the secured CD, minus any early closing penalty on the CD; this is determined based upon 180 days of interest.

How can I make a Credit Builder payment?

Credit Builder payments can be made through automatic payments, online banking, the INFO Line, by stopping into your local branch location, or by mail to:

Guaranty Bank/BestBank

Attn: Loan Servicing

PO Box 240200

Milwaukee, WI 53224

 

 

How can I set up or change automatic payments to my Credit Builder?

You may change or set up automatic payments to Credit Builder by stopping into a branch location.

How does Credit Builder grow my savings?

Credit Builder is a great tool to help accumulate $1,000 in savings, in addition to building your credit score. After you are approved, we place the loan amount into a secure CD that holds your money until the end of the loan term. While you’re saving money, we’re also reporting your payments to the credit bureaus and informing them of your good standing as you continue to make on-time payments.

Can I get a refund if my credit score doesn't improve?

Yes, there is a money back refund of interest paid if your credit score does not improve at the end of your loan term. The only requirement is that you made all of your Credit Builder loan payments on time within 29 days of their due dates for the full 5 year term.

What's a credit score?

Credit scores are three-digit numbers that generally range from below 500 to over 800. The higher your score, the better off you’ll be.

Why does my credit score matter?

Your credit score affects your ability to get things like a car loan, a credit card, a house or maybe even a job. It’s what lenders use to determine whether you will get a loan and how high your interest rates will be.

What's in my credit report?

Your credit report includes the following information:

  • Personal information: Your names, addresses, past and present employers, date of birth and Social Security number.
  • Credit history: Financial information like credit card and loan records.
  • Inquiries: Those who have asked to see your credit report.
  • Public records: Any foreclosures, bankruptcies, lawsuits, judgments and debt information from debt collection agencies.

What are some tips to improve my credit score?

Here are some tips that can help you improve your credit score:

  • Pay your bills on time: Set up a reminder on your calendar or smartphone or schedule automatic payments so you don’t forget.
  • Look at your credit report: You can review your credit report for free once every 12 months at www.annualcreditreport.com or by calling the Annual Credit Report Request Service at 1-877-322-8228.
  • Get a credit card: Having a few credit cards is a great way to build credit, but make sure you pay your bills on time and don’t charge things you can’t afford.

For more information on the credit cards we offer, click here.

  • Guaranty Bank Credit Builder: Credit Builder, only available at Guaranty Bank, could help you gradually improve your credit score with no down payment and no unreasonable fees. It’s a personal loan secured by a certificate of deposit (CD). Pay back the loan on time, and you’ll begin to improve your credit score with check-ins from us along the way.

For more information on Credit Builder, click here.

Ready to get started?

Stop into a local branch or call us at 1-855-584-2309.

What determines my credit score?

Your credit score is built on a handful of factors. Below are the main elements of a FICO credit score:

  • Payment history: Late payments will result in a lower credit score.
  • Debt amounts: How often you max out credit cards and hit your credit card limit can show you owe large amounts of money.
  • Length of credit history: How often you use your accounts and how many accounts you have opened are factored into your credit score.
  • Types of credit in use: Your credit profile includes credit cards, auto loans, mortgages, etc. It’s better to have a few credit accounts that you use responsibly rather than just one.
  • New credit: Applying for too many credit accounts at once may actually hurt your score.

How does my credit score affect me?

A good credit score may help you get better deals on things, like lower interest rates, which will save you money.

Having poor credit history often means higher interest rates, which, over the course of a loan, could cost you a lot of money.  Here are some of the things that can negatively affect your credit history:

Late or missed payments:

This goes for credit cards, loans and other bills, like medical or utility bills. Pay on time!

Unemployment:

Not having a steady income is not only stressful, but also a challenge when it comes to paying bills. Making a plan to have emergency savings is important if you ever go through a period of unemployment.

Mistakes on your credit report:

It's free to view your credit report once a year so take the time to check it over. If you do find a mistake, you can dispute it and possibly get it removed. You can review your credit report for free once every 12 months at www.annualcreditreport.com or by calling the Annual Credit Report Request Service at 1-877-322-8228.

Applying for too many types of credit:

Applying for just one type of credit is okay. But, if possible, try to avoid applying for a lot of credit like a car loan, credit cards and then a home loan all at once.

How do I monitor my credit score?

Under federal law, you are entitled to get a free report from each of the three national credit-reporting companies every 12 months. Visit www.annualcreditreport.com or call the Annual Credit Report Request Service at 1-877-322-8228

What are some monthly budgeting tips that can help me build my credit score?

Plan your expenses:

Make a list or chart to help you organize your finances.

Review the previous month:

Take a look back at your monthly receipts and bills. Keep track of your bad spending habits so you can eliminate them.

Control housing costs:

Having high rent or mortgage payments could make it difficult to save money for emergencies and other things like a car, student loans, or utility bills.

Set goals for savings:

Establish short-term and long-term financial goals.

Put money aside for credit card payments:

Don’t spend more than you can afford and always pay off enough of the balance to prevent paying interest.

Online Services

What is Online Banking?

Online Banking provides you convenient access your bank account.  Online Banking features include:

  • View Account Balances
  • View Detailed Account Transaction History
  • Transfer Money Between Internal Accounts (with like ownership)
  • Pay Bills with Online Bill Pay (with qualified accounts)
  • View Online Documents (Notices and Statements)
  • Set Account Alerts

For more information on Online Banking and to enroll today, click here.

What are the system requirements for using Online Banking?

To help ensure your device is configured properly for Online Banking, please use these following tips:

  • Third Party Cookies should be allowed
  • JavaScript should be enabled
  • Browser should be set to remember history or not delete cookies on exit
  • Browser should be allowed to load images automatically (this can be disabled in Firefox)
  • Use a Supported Browser (IE 9 or above)

The following Operating Systems and Browsers have been tested and are compatible for use with Online Banking. 

 

Older versions of Operating Systems and Browsers may work but may not provide the optimum Online Banking experience.  If you are experiencing issues with Online Banking and are using a System or Browser that is not listed OR are using an outdated System or Browser version, it is recommended that you update to a supported to a version listed above.

I can't remember my User ID/Password for online banking.

We offer convenient options to retrieve a Forgotten User ID or to reset a Forgotten Password. 

User ID

Below the Enter User ID box is a Forgot your User ID? link.  Click this link and enter the information requested.  With successful verification of your identity, your User Id will be presented to you on screen.

Password

If you remember your User ID and have entered it OR once you have been presented with your forgotten User ID, you are presented with the Password screen. 

If you have forgotten your password, click the Forgot your password? link located below the Password box.  You maybe prompted to enter a One-Time Security code if you are logging in from an unrecognized computer/device and then be prompted to select a New Password.  Note: Passwords are unable to be reused AND you may only reset your password once per day.

I am Locked Out of Online Banking. How do I get Unlocked?

If Online Banking credentials (User ID/Password) are entered incorrectly numerous times, your access to Online Banking will be locked.  We do this to protect your account information. 

Once locked, you will be presented with a Locked Password screen.  Follow the instructions on each screen that follows to Unlock yourself from Online Banking and to Reset your password.  As part of the process, you may be prompted to enter a One-Time Security Code.

 

Why do I need an extra One-Time Security Code sent to my phone to access my account?

To help protect your personal information, we may ask for an additional level of authentication:

  • When you login from a different computer or mobile device or
  • If Online Banking detects changes to your device or
  • If your login activity is detected as being out of the ordinary

This authentication will require you to:

  • Enter a code that is sent to a phone number that we have on file for you or
  • Respond correctly to verification questions

Why do I always have to get a security code or answer questions to log into my account?

There are several scenarios that could be causing a prompt for one time security with each log in.

  • Logging in from a different device
  • A high security setting
  • Clearing history and cookies on a regular basis
  • No static IP address, meaning the router chooses the IP address and changes it with each internet access versus the computer setting the IP address, it will require the security every time.

We recognize that this step may be inconvenient at times, but this is a security measure in place to protect your account information.  For this reason, this one time security cannot be bypassed. 

I need an extra One-Time Security Code sent to me, but my phone number on file is not current or is incorrect. What can I do?

If you have not updated your phone record with us, we may have an outdated number on file. To update your information, you should call our Customer Service Center at 1-800-235-4636, then choose option 1, option 1, enter your account and PIN number and then press 0 to speak to a representative.

We apologize for any inconvenience this may cause, but please keep in mind that we want to make sure that you are the only one who can access your account information online.

I need to access my online banking immediately and I am unable to update my phone number for the One-Time Secuity Code. What can I do?

If you are unable to update your phone number and you need to access Online Banking immediately, select the answer verification questions link.  You may use this option instead of receiving a phone call or text message.

You will be prompted to enter your name and date of birth. Multiple choice questions will then be generated based on your personal background information. With correct responses to the questions presented, you will be able to access Online Banking.

Verification questions can only be generated for those individuals with a Social Security Number. If you do not have a Social Security Number or if your Online Banking enrollment is for a Business, a valid phone number is required in our system prior to accessing online banking.

 

What are Online Documents?

Online Documents are Notices and Statements that are delivered online.  These are just like the paper statements and bank notices you receive in the mail, but are delivered to you online, within Online Banking.  Some of the documents that are eligible to be delivered online are: Account Statements, Overdraft Notices, Maturity Notices and Tax Forms.

Once logged into Online Banking, select Accounts, then Online Documents.  From there you can enroll in Online Documents or retrieve previously produced Documents.  When new documents are available for viewing, you will automatically receive notification.

With Online Documents you can view or print your statements and notices through Online Banking.  Online documents and online statements allow you to receive your important bank and account information faster while reducing paper waste. 

How can I enroll in Online Documents?

You can enroll in Online Documents (Notices and Statements) by logging into Online Banking and selecting Accounts, then Online Documents

How can I access Online Documents?

You can access Online Documents in Online Banking, by selecting Accounts, then Online Documents.

Statements

If you would like to review your most recent statement, click the Last Statement link for the account number you wish to review.  If you would like to review older statements, click the All Statements link.

Notices

If you would like to review Online Notices that are available, click the Notices tab, then click the All Notices link next to the account number you wish to view Notices for.

What is Online Bill Pay?

Online Banking's BillPay allows you to pay virtually any bill or anyone from your device.  

How do I enroll in Online Bill Pay?

To enroll in Online Bill Pay:

  • Log into Online Banking
  • Click the Pay and Transfer tab located near the top of the screen
  • Click the Pay Bills link

Follow the instructions provided to begin setting up your bill payments.

How do I add or change a funding account for my Online Bill Pay?

If you would like to add or change the account you use for Online Bill Pay:

  • Log in to Online Banking
  • Click the Customer Service tab
  • Under Account Maintenance, click Customize your Account
  • Check the Use for Bill Payment box if you would like to Add the account for Bill Pay
  • Uncheck the Use for Bill Payment box if you would no longer like to use the account for Bill Pay
  • Click Submit

Your change will be reflected when you access Online Bill Pay next. 

Note:  If you have set up recurring payments and you have made a change to a funding account, be sure to update your Auto Pay Options.  You can do this in Bill Pay by clicking on the payee name, click the Change AutoPay Options link and select the correct Funding Account from the drop down.

Who do I contact for questions regarding Online Bill Pay?

Call 1-800-235-4636 for:

  • Issues or Questions regarding enrolling or accessing Online Bill Pay

Call 1-855-225-2926* if you have questions about a Bill Payment that you have made.  For example:

  • My payee indicates that they have not received the payment
  • I need proof of payment

*Please note:  Only questions regarding Bill Payments that have been made can be answered by this group. 

Clear Coverage

What is CLEAR Coverage?

Clear Coverage is an optional service, available for personal checking accounts. This service provides overdraft coverage with reduced overdraft fees of $7 per item for overdrafts and fees that total no more than $50 in excess of the available balance. This is known as the Grace Zone. The cost of the CLEAR Coverage service is $10 per month.

Please note that paying overdrafts beyond the Grace Zone is not guaranteed and we typically do not pay overdrafts if you are consecutively overdrawn for an extended period of time, owe money on a Fresh Start or closed account, or are not making regular deposits. Standard overdraft fees of $37 per item will apply for overdrafts beyond the Grace Zone. A fee may be imposed for covering overdrafts created by ATM and everyday debit card transactions (if you are enrolled in the overdraft service for those transactions), checks and other transactions made using your checking account number, automated bill payments and preauthorized electronic debits, telephone-initiated, online banking, or electronic transfers and recurring debit card transactions. You must repay an overdraft as soon as possible to avoid the $37 continuous overdrawn fee charged when your available balance remains negative for 10 calendar days. Excessive use of any overdraft service is costly and discouraged. Fees and terms are subject to change.

 

For more information on CLEAR Coverage and Coverage Checking, click here.

How can I enroll in CLEAR Coverage?

To enroll in CLEAR Coverage please visit one of our branch locations or contact our Customer Service Center at 1-800-235-4636.

How does my Grace Zone work?

Your CLEAR Coverage Grace Zone  is $50. For transactions that fall within the Grace Zone, the overdraft fee is reduced to $7.  

Is there a charge to have CLEAR Coverage on my checking account?

There is a $10 per month service charge for having CLEAR Coverage on your account. The service charge is charged each month on your statement cycle date. For each month you do not use your CLEAR Coverage Grace Zone, you will receive a monthly rebate of $2.50.

Who is eligible for CLEAR Coverage?

CLEAR Coverage is available as an addition to any Easy Checking account.  However, your CLEAR Coverage service will be cancelled in any of the following scenarios:

• You are a participant in our Fresh Start Program repayment plan.

• The Current Balance at the time you request the service is less than the monthly $10 CLEAR Coverage Service Charge.

• Your Account is restricted by the bank or by court order. Examples include lost or stolen account information, an account owner has died, or there is fraudulent activity on the account.

• You are involved in a current bankruptcy proceeding.

Mobile Banking

What are the features of Mobile Banking?

With Mobile Banking you can:

  • Check your account balance
  • Review the last 60 days of transaction history
  • Transfer funds (between internal accounts with like ownership)
  • Make bill payments to previously established payees with Online Bill Pay*
  • Make a deposit by taking a photo of your check with your phone (for qualified accounts)
  • Find nearby Branches and ATMs

  *With prior enrollment through Online Banking

How do I enroll in Mobile Banking?

It's free to enroll in Mobile Banking for all of your accounts. Follow these steps below to get started.

Online Banking users:

  • Download our mobile app* one of two ways

WEB

- Log into Online Banking and go to the Mobile Banking Center.  Click the "Get Started" link

- Enter your phone number and answer a few questions

- Download the Guaranty Bank Mobile app onto your device

APP STORE/GOOGLE PLAY

- Go to the AppStore® on your iPhone® or iPad®, or go to Google Play® on your Android® phone

- Search for Guaranty Bank Mobile

- Select Install to download the Guaranty Bank Mobile app onto your device

Mobile Only users:

  • Download our mobile app*

- Go to the AppStore® on your iPhone® or iPad®, or go to Google Play® on your Android® phone

- Search for Guaranty Bank Mobile

- Select Install to download the Guaranty Bank Mobile app onto your device

- Select the Mobile Only User? Get Started button near the bottom of the Login page

 

*The app should not be downloaded from a third-party provider and sideloaded onto your device.  Sideloading is the installation of an application on a mobile device without using the device's official application distribution method.  Sideloading applications from third-party providers can pose risks.

 

 

What happens if I forgot my User ID or Password?

If you are a Mobile Only customer (not enrolled in Online Banking), select the Mobile Only User? Manage Profile link located Under the User ID and Password section. Click the Forgot User ID or Password? box and follow the steps provided.

If you are enrolled in both Online Banking and Mobile Banking, please visit Online Banking and follow the steps below:

Below the Enter User ID box is a Forgot your User ID? link.  Click this link and enter the information requested. With successful verification of your identity, your User ID will be presented to you on screen.

If you remember your User ID and have entered it OR once you have been presented with your forgotten User ID, you are presented with the Password screen. 

If you have forgotten your password, click the Forgot your password? link located below the Password box. You maybe prompted to enter a One-Time Security code if you are logging in from an unrecognized computer/device and then be prompted to select a New Password. Note: Passwords are unable to be reused AND you may only reset your password once per day.

Once you have reset your login information using Online Banking, you can access Mobile Banking again.

What happens if I get locked out of Mobile Banking?

If you enter the incorrect User ID or Password numerous times, you will be locked out of your Mobile Banking account. This is done to protect your account information. If you are locked out:

  • If you are a Mobile Only customer (not enrolled in Online Banking), select the Mobile Only User? Manage Profile link located Under the User ID and Password section. Click the Forgot User ID or Password? box and follow the steps provided.
  • If you are enrolled in Online Banking AND Mobile Banking go to Online Banking and enter your User ID. You will be presented with a Locked Password message. Click Continue and follow the instructions to unlock yourself and reset your password. Once you are unlocked from Online Banking, you are able to access Mobile Banking with your User ID and your new Password.

Is my information secure with Mobile Banking?

Yes, we take many security precautions to keep your information safe and secure.  Whether you're making an online payment or depositing a check via the Guaranty Bank Mobile app, you can rest assured your financial security is our top priority.

Mobile Banking utilizes best security practices such as HTTPS, 128-bit SSL encryption and site time-out when the session expires.

If you ever suspect any fraudulent activity, please immediately contact our Customer Service Center at 1-800-235-4636.

Does Mobile Banking require a special phone?

Both Android® Smart Phones and iPhones® are supported for Mobile Banking with some carrier limitations. In addition Android® Tablets and iPads® are supported for Mobile Banking.

Can I use more than one device to access Mobile Banking?

Yes, multiple devices may be registered for use with Mobile Banking.  However, a Mobile Phone number may only be registered in Mobile Banking to one Mobile User.

Can I receive text alerts on my phone?

To receive account alerts on your phone the alert must first be set up in Online Banking. In Online Banking, select the Customer Service tab. Under the Contact Options heading, select Manage Alerts. Under the Account Alerts tab there are a variety of alerts you may set up to monitor your account. 

When you choose to receive these alerts as Text messages, please be aware that standard text message and other rates may apply.  Send STOP to 20736 to end or visit Online Banking to delete the alerts.

What if my phone is lost or stolen?

If you are a Mobile Only customer, please contact our Customer Service Center at 1-800-235-4636.

If you use both Mobile and Online Banking, you can quickly log in to Online Banking and navigate to the Mobile Banking Center.  Click Change Mobile Device Settings and click Disable Device.

How do I sign in to Mobile Banking?

Open the Guaranty Bank Mobile app on your smart phone or tablet, and enter your User ID and Password.  If you use Online Banking as well, your User ID and Password are the same for both Online Banking and Mobile Banking.

What is Mobile Only?

Don't have a computer to access our traditional Online Banking? Don't worry! You can use Mobile Only, which is a mobile app that has many of the same features as Online Banking, but doesn't require enrollment in Online Banking.

What can I do in Mobile Only?

Mobile Only allows you to:

  • Check Balances
  • Make Transfers
  • Review Account history
  • Find nearby Branches and ATMs

I enrolled in Mobile Only. Can I still enroll in Online Banking?

Yes! Follow the instructions below to enroll in Online Banking:

  • Visit guarantybank.com
  • Click the Log In tab (located near the top right of your screen)
  • Select Personal Banking
  • Select Login
  • Enter your Mobile Only User ID
  • Follow the instructions provided to convert your Mobile Only enrollment to Online Banking with Mobile Banking

Mobile Deposit

What is Guaranty Bank Mobile Deposit?

The Guaranty Bank Mobile app provides a check deposit feature.  You can deposit a check from the Guaranty Bank Mobile app on your iPhone, iPad or Android Smartphone by taking a picture of the front and back of your check.  Eligibility requirements apply.

Are there eligibility requirements for using Guaranty Bank Mobile Deposit?

Yes, you must:

  1. Use Online Banking and Mobile Banking and
  2. Have an eligible checking or savings account that has been open at least 90 days

How do I use Guaranty Bank Mobile Deposit?

Follow the instructions below to use Guaranty Bank Mobile Deposit:

  • Sign on to the Guaranty Bank Mobile app and select the menu button from the top banner.
  • Select Check Deposit from the drop down menu and select Deposit on the next screen.
  • To take a picture of the front of your check select the Front button.  Make sure all four corners of the check are visible in the box.  Press the round button to take the picture and press it a second time verifying the entire image was captured.
  • Endorse your check with your signature and write For mobile deposit only at Guaranty Bank.
  • To take a picture of the back of your check select the Back button.  Make sure all four corners of the check are visible in the box.  Press the round button to take the picture and press it a second time verifying the entire check was captured.
  • Select the Account you would like to deposit the check into.
  • Enter the check amount.
  • Select Continue.  Your check will be reviewed.
  • Should the review prompt you to make a correction, make those changes.
  • Upon successful review, select Approve.

What types of checks can I deposit with Guaranty Bank Mobile Deposit?

Most domestic checks can be deposited through Guaranty Bank Mobile Deposit.  We are not able to accept Government issued checks, Money Orders, Foreign Items, Savings Bonds or Third-Party Checks.

How will I know if my deposit was received by the Bank?

You will receive an e-mail notification when your deposit has been received.

How will I know if my deposit has been processed by the Bank?

When your deposit is processed, you will receive a second e-mail notification.  This e-mail will indicate if the deposit was approved or declined.  If declined, the deposit was not processed and you will receive a reason as to why it was not processed.

What should I do if I am receiving a "Poor Image Quality" message?

To improve the image quality of your check, make sure:

  • The picture, including your signature, is clear.
  • All four corners of the check are visible in the box.
  • The lighting is bright enough to see the check details.
  • You may want to place the check on a dark background for more contrast.
  • Take the picture from directly above the check and hold the camera still.
  • The check has been smoothed out. Details of the check may not be captured in your picture if there are creases/folds in the check or check is crumbled/wrinkled.

Which accounts can I make Mobile Deposits to?

  • Eligible savings and checking accounts
  • If you do not have any eligible accounts, when you select the Check Deposit button, you will receive a You have no eligible accounts response.

Do I destroy my check after it is deposited?

We don't recommend that you destroy your check immediately after mobile depositing it. It's best to keep the check for 30 days and do NOT write VOID on the check. After 30 days, you may destroy the check.

Are there limits on the number and amount of checks I can deposit?

Deposit limits for Guaranty Bank Mobile Deposit are:

  • Each check can be no more than $1,500
  • Each day there is a limit of 5 checks totaling no more than $1,500 per customer
  • Every 19 business days there is a limit of 15 checks totaling no more than $3,000 per customer or $4,000 (consumer accounts) or $7,500 (business accounts) if service has been used in the past 12 months and the personal deposit account (or business account) has been open at least 2 years with no returned deposits in the last 12 months and the account has no account restrictions

You can view deposit limits in the Guaranty Bank Mobile app by selecting Check Deposit on the left sidebar. The response screen displays the limit information.

What is the cut-off time for Guaranty Bank Mobile Deposit?

The deposit cut-off time is 3:00 PM CST, Monday - Friday excluding federal holidays.  If you submit a check deposit after 3:00 PM CST, you will see the deposit in your transaction details and your current balance will be updated the next business day.

Will there be a hold on my check deposit?

Yes, all deposits will have a 2 business day hold.

When will I see the deposit in my account?

If you submit a check deposit and it is approved by 3:00 PM CST on a business day, you will see the deposit in your transaction detail and your current balance will be updated. If you submit an approved check deposit after 3:00 PM CST on a business day, you will see the deposit in your transaction detail and your current balance will be updated the next business day.

Do I need to take a picture of the front and back of my check?

Yes, you must take a picture of the front and back of the check.

Do I need to sign the back of my check?

Yes. Please Sign the back of your check and write For Mobile Deposit only at Guaranty Bank.

How much does it cost to deposit checks using Guaranty Bank Mobile Deposit?

There is no charge for checks deposited to a consumer account using Guaranty Bank Mobile Deposit.  There is a $.50 per check fee for checks deposited to a business account using Guaranty Bank Mobile Deposit.

Why would my check deposit be rejected by Mobile Deposit?

Your deposit may be rejected due to eligibility or system limits.  If you have questions about your Mobile Deposit, contact our Customer Service Center at 1-800-235-4636.

What do I do if I've already endorsed my check "For Mobile Deposit Only" but my Mobile Deposit isn't accepted?

If you attempt to use Mobile Deposit and your check isn't successfully deposited, please take the check to one of our branches and ask them to deposit the check, letting them know that your Mobile Deposit was unsuccessful.

How will the transaction show in my transaction detail?

Mobile Deposits will have a description of Remote Deposit.

 

 

How do I get the Guaranty Bank Mobile App?

Go to the App Store® online store on your iPhone® or iPad® device, or the Google Play® online store on your Android® device.  The app should not be downloaded from a third-party provider and sideloaded onto your mobile device.

What is sideloading?

Sideloading is the installation of an application on a mobile device without using the device's official application distribution method.  Sideloading applications from third-party providers can pose risks.

Checkspress

What is Checkspress?

Checkspress is a check cashing service offered at any Guaranty Bank location that gives you immediate access to your funds for a small fee.  With Checkspress there is no check hold and you can deposit the cash  from your check immediately into your Guaranty Bank checking account.

For more information on Checkspress, click here.

Is there an enrollment fee for Checkspress?

No, there is no fee for enrolling in Checkspress. 

What types of checks can I cash with Checkspress?

You can cash any of the following check types with Checkspress:

  • Business (payroll) check
  • Government check
  • Tax Refund check
  • Insurance check
  • Cashier's check
  • Money Order
  • Personal check

 

What are the fees for using Checkspress?

The fee for using Checkspress depends upon the type of check and amount.   See the table below for per check pricing.

 

Eligible Checks

Maximum Check Amounts and Fees

Business (payroll) check
Government check
Tax refund check
Insurance check
Cashier’s check
Money order

Maximum check amount is $5,000
• If the check amount is $1,000 or less, the fee is $5
• If the check amount is over $1,000 to $5,000, the fee is 1.5% of the check amount

Personal check

Maximum check amount is $5,000
• Fee is 3% of check amount with a $5 minimum fee amount

Visa® Debit and ATM Cards

How do I reorder a Visa® Debit Card or ATM card?

To order an ATM/Visa® Debit Card please visit one of our branch locations or contact our Customer Service Center at 1-800-235-4636 (Option 1, 1, 1, enter your account number, #, enter your PIN, #, 0).

How do I activate my Visa® Debit Card?

In order to activate your Visa® Debit Card, please call 1-866-392-9952. You will be walked through the activation process, which takes only a few minutes.

How do I advise you I will be traveling and using my Visa® Debit Card?

If you are traveling and are going to be using your Visa® Debit Card, contact the Customer Service Center at 1-800-235-4636 or visit one of our branch locations.

What is a chip debit card?

A chip card has an integrated microchip embedded into the debit card.

The chip is encrypted and provides stronger security and protection against fraud. A chip card also has a magnetic stripe on the back of the card.  

What does a chip card look like?

Many features of a chip card are the same as a magnetic stripe card. Both cards are embossed on the front with the card number, cardholder name and expiration date and provide the three-digit security code on the back of the card. The key difference is the gold or gold-colored embedded chip on the front left side of the card.

What are the benefits of having a chip card?

Chip cards provide a higher level of security because the microchip technology is encrypted, making it difficult to copy or counterfeit. The chip technology provides stronger protection by creating a unique code for each chip transaction which prevents card data from being used in fraudulent activity.

Does this mean the magentic stripe card is not secure?

We want our cardholders to be confident in the safety and security of using their magnetic stripe cards. Converting to chip technology is just the next step in enhancing card safety.

If my card has a chip, does this mean the magnetic stripe will no longer work?

No, magnetic stripes will still be valid as every payment terminal may not feature the new chip technology. Magnetic stripe cards will continue to be a secure way to make payments.

What information is stored on a chip card?

There is no personal information about your account stored in the chip card. The microchip embedded in the card stores information required to authenticate, authorize, and process transactions. This is the same type of information that is already stored in the magnetic stripe on your current card.

How do I make a chip card transaction?

First you insert the card into the bottom front of the terminal device instead of swiping. The card will insert chip first and face up.

Then, you leave the card in the terminal. The card must remain in the terminal during the entire transaction, if you remove it too soon the transaction will end and your purchase will not be processed.

You will then follow the prompts on the screen as usual, which will ask you to either sign (credit option) the receipt or enter your PIN (debit option) to complete the transaction.

After the transaction has been completed you will remove your card.

Remember, some terminals may not yet be chip-enabled; in that case, you will use the magnetic stripe technology and swipe your card for the transaction.

Is there an age requirement for ordering a Visa® Debit Card or ATM card?

To order a Visa® Debit Card you must be 18 years of age. 

To order an ATM card you must be 17 1/2 years of age.

Does my Visa® Debit Card have transaction limits?

Your Visa® Debit Card has a transaction limit of $500 per 24 hours for PIN based transactions and a $5,000 limit for credit transactions every 72 hour period.

How long does it take to recieve my Visa® Debit Card or ATM card?

Please allow 7 to 10 businesses days for delivery of your Visa® Debit Card or ATM card. Your new card and PIN number will come in two separate envelopes.

How can I change my PIN number?

To change your 4 digit PIN for your card, please call 1-866-392-9952 or visit any of our convenient ATMs. You will be walked through the PIN change process, which takes only a few minutes.

Credit Cards

What types of Credit Cards do you offer?

We offer 4 different credit cards:

  • Complete RewardsSM Card (VISA): For individuals looking to earn rewards on all purchases.
  • Platinum Edition® Card  (VISA):  For individuals looking for a credit card with a low introductory rate.
  • Cash Back Card (American Express): For individuals looking to earn cash back on purchases.
  • Secured Card (VISA): For individuals looking to establish or improve credit.

For more information  on our credit cards, click here.  Compare our credit cards here.

Ready to apply?

Stop into a local branch or click here to get started online.

Credit cards are issued by First Bankcard®, a division of First National Bank of Omaha, pursuant to licenses from Visa U.S.A., Inc. and American Express.  VISA and VISA SIGNATURE are registered trademarks of Visa International Service Association and used under license.  American Express is a federally registered service mark of American Express.

Can I access my credit card accounts online?

Yes.  For credit cards issued through Elan,  please visit https://www.myaccountaccess.com/onlineCard/login.do

For credit cards issued through First Bankcard, please visit https://www.firstbankcard.com/guarantybank/site/personal/personal.fhtml

How much is the security deposit for a Secured Credit Card?

The required security deposit for a Secured Credit Card can be between $300 to $5,000 in multiples of $50. The credit limit will be the same as the amount of the security deposit.

When will I know if I am approved for a credit card?

You will receive an email response about your credit card application within 2 to 4 weeks from applying. Upon approval you will receive your new credit card within 7 to 10 business days. 

 

How will I know if my credit card application was declined?

First Bankcard will contact you by letter if your application was denied or if more information is needed for your application.

Who do I contact if I have questions about my credit card?

The Customer Support number for Firstbank Card Members is 1-888-295-5540.  Firstbank Card's Customer Support is open 24 hours a day, 7 days per week.  The Customer Support number is also listed on the back of your credit card.

Can I add a joint card holder to my credit card?

A joint card holder can be added to your credit card by filling out a Joint Cardholder Request Form at any of our local branch locations.

Personal Banking General Questions

How can I open a new account?

To open a new Checking, Savings, or Credit Builder account, you can do any of the following:

  • Visit a local branch. To find a branch near you click here.
  • To open a new account online, click here.
  • To get started over the phone, contact us at 1-855-584-2309.

Who can I contact if I have a question about my account and when are they available?

Our Customer Care Center is available by phone Monday through Saturday 8:00 AM to 7:00 PM CST. The Customer Service Center is also available by email Monday through Saturday 8:00 AM to 7:00 PM CST. To email Customer Service, click here. To access either the Customer Care Center or the INFO Line, dial 800-235-4636. 

You may also access your account information 24 hours a day using the INFO Line at 800-235-4636.

Account information is also available 24 hours a day by logging into Online Banking.

How can I change my mailing address?

We offer numerous ways for you to change your mailing address. You may stop into one of our branch locations, contact Customer Service at 1-800-235-4636 (INFO), use Online Banking or send a letter with your request to the address below.

Bank Processing Center

PO Box 240200

Milwaukee, WI 53224-9984

If you choose to write a letter, your request should include:

  • Your Printed Name
  • Signature
  • Old Address
  • New Address

If you choose Online Banking, please log-in to your Online Banking account and choose the Customer Service tab and then choose Change Address.

 

Once we have received your request, your address will be updated in our system within 3 to 5 business days.

There is a transaction on my account I did not authorize. What can I do?

If funds have been debited from your account without your authorization, please contact our Dispute Center directly at 1-844-849-4078 to speak to a Dispute Specialist. It will take between 7 to 10 business days for the dispute to be fully investigated.

If our Dispute Specialist finds that any of the transactions you reported are fraudulent, you will be credited back the amount of fraudulent transactions debited. We will also reverse any overdraft charges you may have received as a result of the fraudulent transactions clearing.

If any of the disputed transactions are Debit Card transactions, please contact our Customer Service Center at 1-800-235-4636 or stop into your local branch to have your current card locked out immediately to ensure no additional fraud is committed.

How can I add someone to my account?

In order to add an additional person to your account, please stop into your local branch with a valid form of ID. Both you and the person being added, as well as any additional individuals on the account, will need to be present to sign for these changes.

Only qualified individuals can be added to an account. At the time of your visit, the branch will be able to advise you whether or not the person you wish to add is qualified to be added. Once someone has been added, neither owner can be removed unless the account is being closed.

How can I remove someone from my account?

Once someone has been added, neither owner can be removed unless the account is being closed. 

In the event an account owner has died, please contact our Customer Service Center at 1-800-235-4636 or a branch location to have the deceased owner removed.  

What is my routing/transit number?

Below you will see the routing number for your state. If you are attempting to set up Direct Deposit or a Wire Transfer, use the Wisconsin/Corporate routing number regardless of the state in which you reside.

 

Wisconsin/Corporate: 275071288

Illinois: 071974408

Minnesota: 091071598

How do I order past statements or check copies?

The fee for statement and check copies is $6 per statement/check requested, as well as $30 per hour of research. If you agree to these charges and would like to proceed with your request, please contact Customer Service via phone at 1-800-235-4636, visit a branch location, or fax your request to 1-877-689-7148.

In your fax request, please indicate that you agree to the charges. For statement copies, please indicate the month(s) and year(s) of the statement(s) you are requesting.

For check copies, please indicate the check number(s), amount(s) and date(s) the check cleared your account. For verification, please indicate your name and account number with your request.

If you would like the images to be sent to a particular branch location, please indicate the location with your initial request. If the branch location is not indicated, the images will be sent to the mailing address we have on file for you.

Our research department will mail your copy(ies) within 3 to 5 business days from the date they receive your request.

Statements and check images from the last 60 days may be accessed 24 hours a day via online banking.

What is your check hold policy?

Our policy is to make funds from your check deposits available to you on the second business day after the day we receive your deposit, with the first $200 available on the first business day after the day of your deposit. Electronic direct deposits will be available on the day we receive the deposit. Cash, wire transfers, and some specified check deposits will also be available before the second business day, as detailed below. Once the funds are available, you can withdraw them in cash and we will use the funds to pay checks that you have written.

Please remember that even after we have made funds available to you, and you have withdrawn the funds (or checks are paid), you are still responsible for checks you deposit which are returned to us unpaid and for any other problems involving your deposit.

For determining the availability of your deposits, every day is a business day, except Saturdays, Sundays, and federal holidays. If you make a deposit before closing on a business day that we are open, we will consider that day to be the day of your deposit.

To review our complete check hold and funds availability policy, click here.

How do I send a wire transfer?

If you would like to transfer funds to an outside financial institution though a wire transfer, please stop into your local branch. Please note, there will be a fee to send a domestic or international wire transfer. To view our Consumer Account Disclosure for a complete list of consumer services and pricing, please click here.

How do I receive a domestic wire transfer?

To receive funds from another bank located in the United States you will need the information provided below. Please note there will be a $20 incoming wire transfer fee charged to the account the funds are deposited into.

Receiving Bank Name: Guaranty Bank d/b/a Best Bank

Address: 4000 W Brown Deer Rd

City, State, Country: Milwaukee, WI, 53209 USA

ABA Routing Number: 275071288

Account Name: (Name on account that funds are being deposited to)

Account Number: ( Number of account funds are being deposited to)

How do I receive an international wire transfer?

To receive funds from another bank located outside the United States you will need the information provided below. Please note there will be a $20 incoming wire transfer fee charged to the account the funds are deposited into.

Receiving Bank Name: US Bank National Association

City, State, Country: Minneapolis, MN, USA

Swift Code: USBKUS44IMT

Beneficiary Bank Name: Guaranty Bank d/b/a Best Bank

Beneficiary Bank Account Number: 182380578092

Account Name: (Name on account receiving funds)

Account Number: (Number of account receiving the funds)

What should I do if my account information has been lost or stolen?

If your account information has been lost or stolen, please contact our Customer Service Center at 1-800-235-4636 (Option 1, 1, 1, enter your account number, #, enter your PIN, #, 0) to report the loss.

We will lock your account to guard against any unauthorized use. Once you are able, please visit your nearest branch location to close your existing account and open a new account.

I forgot my PIN for the automated INFO Line, how do I get this reset?

To reset your INFO Line PIN, please contact our Customer Service Center via phone at 1-800-235-4636 or stop into a branch location.  Click here to find a location near you.

Please note, your INFO Line PIN is not the same as your debit card PIN. If you have not previously used the INFO Line, your PIN will be the last 4 digits of your social security number.

Why did I receive an overdraft fee when I had money in my account?

There are two balances for your account: the current balance and the available balance. The current balance reflects the amount of money in your account. However, the available balance reflects the amount of money in your account minus any check holds, ATM holds, or pending debit card transactions. If funds are not available when an item clears, a $37.00 overdraft fee will be assessed for each item that clears when the funds are not available.

What are your fees and prices for services?

Click here to view our Consumer Account Disclosure for a complete list of services and prices.

How can I place an order for checks?

If you do not need to make any changes to your checks, you can process your check re-order online by visiting Deluxe at http://www.deluxe.com/. You may also log into Online Banking, choose the Customer Service Tab, and then choose Order Checks. If you have not ordered checks with us yet, or if you need to make changes to your current checks, please visit your nearest branch location, or contact the Customer Service Center at 1-800-235-4636 and they will be able to process the order for you.

How do I place a stop payment?

There are three ways that a Stop Payment can be placed:

Visit one of our local branch locations to complete the paper work to place the Stop Payment.

 OR

Our INFO Line system is available 24 hours a day to place a Stop Payment. Call 1-800-235-4636, select option 1, 1, 1, enter your account number, #, and enter your PIN, #, 4.

 OR

If you are enrolled in Online Banking, you may place a Stop Payment 24 hours a day by logging in, selecting Customer Service and clicking on the "Stop Payment" button.

 

Stop payment orders on checks are valid for a one time stop payment but will remain in effect for 6 months after the date accepted if not used and will automatically expire after that period unless renewed. Stop Payment orders on ACH entries will remain in effect until the return of the one-time ACH payment, or if specified in the Stop Payment order, all future ACH payments. The all-future payment option is available in-branch only. Stop Payments cannot be placed on debit card transactions.

Can I deposit a second party check into my account?

Unfortunately we do not accept second party checks. All checks deposited into your account must be made payable to the name(s) listed on the account.

What is the Allpoint Network?

The Allpoint Network gives you fee-free ATM access at 55,000 locations worldwide. Allpoint ATMs are conveniently located inside national retailers.  Use your Guaranty Bank debit card fee-fee at any Allpoint® ATM.  Not sure if it’s a fee-free Allpoint ATM? Just look for the Allpoint sticker on the ATM.

ATM FEE BREAKDOWN

  GUARANTY BANK ATM  ALLPOINT ATM OTHER ATMS
SURCHARGE FEE  $0 $0 approx $2 - $3
BANK FEE   $0  $0 $3
TOTAL  $0 $0 approx. $5 - $6

What is Courtesy Overdraft Service?

At the bank’s discretion, we may authorize and pay overdrafts if you don’t have a sufficient available balance.

Since transactions are processed by a computer processor, it may pay or return an item even when the funds are not available. However, should the system decide to allow your account to overdraft, it is not guaranteed to allow items to overdraft in the future.

 Please Note: The Courtesy Overdraft Service only applies to every day ATM and debit card transactions. ACH and check transactions do not qualify for this.

 

How can I change my Courtsey Overdraft decision?

To update your Courtesy Overdraft decision you can call our INFO Line at 1-800-235-4636, use Online Banking, or visit any of our local branches.

What is Overdraft Protection?

Our Overdraft Protection service can automatically transfer funds from one account to another to cover unexpected overdrafts. A $15.00 fee is charged per transfer. In order to sign up for overdraft protection, a signed and completed application is required. This can be done at any one of our branch locations.

 Here are a few of the overdraft protection features:

  • No minimum transfer amount
  • A notice is mailed when a transfer has occurred showing the amount of the transfer plus the fee.
  • The amount of the overdraft, plus the fee, is withdrawn from the funding account (the account money will be drawn from to cover the overdraft) and deposited to the over drafted checking account.

What are your overdraft fees?

 

We charge the following overdraft fees.

Overdraft Fee  $37 for each item paid that exceeds the available balance
Return Check/Item Fee  

$37 for each item that is returned because it exceeds the available balance

Continuous Overdrawn (OD) Fee   Fee $37 one-time fee charged when the available balance remains negative for 7 calendar days**

(If the 7th calendar day falls on a Sunday or legal holiday the date of the fee transaction will be the processing day prior to the 7th calendar day. Processing days are Monday-Saturday.)

Overdraft Fee for CLEAR Coverage customers within the Grace Zone

$7 per item for overdrafts totaling no more than $50 in paid items and fees exceeding an account’s available balance in a single day.

(Overdrafts totaling more than $50 in paid items and fees exceeding an account’s available balance in a single day cost $37 per item.)

For a complete listing of our Consumer Services and Prices, click here.

Why did I get a $37 fee when I have CLEAR Coverage and I'm not past -$50?

Your CLEAR Coverage Grace Zone includes both transactions and the overdraft fee that is assessed for each transaction. 

For example, let's say your balance is $0 and you make two purchases: one for $47 and one for $2. After the $47 transaction goes through, your balance is -$47. That's within the Grace Zone, so you receive a $7 overdraft fee. This makes your balance -$54. When the $2 transaction goes through, your balance is now outside the Grace Zone at -$56. Because your balance is now past -$50, you are charged a $37 overdraft fee for the $2 transaction.   

I received a notice stating my acccount was inactive or dormant. What does that mean?

An account becomes inactive or dormant when there has not been customer generated activity for a period of time listed below:

 Account Type Inactive Days Dormant Days
 Checking   120 days   180 days
 Savings    N/A   N/A
 Money Market 840 days 900 days
 Certificate of Deposit   N/A   N/A

You will receive an Inactive or Dormant Notice for each account that meets the time periods listed above. The notice instructs you to perform a transaction on the account or sign and return the notice to the bank. You may also contact our Customer Service Center at 1-800-235-4636 and speak with a representative to have the inactive or dormant status removed.  

Crediting of interest and service charges does not affect the inactive or dormant status.

Why did I receive a $5 dormancy fee?

If there is no customer-initiated activity for six months (180 days)or more on a checking account a monthly dormancy fee of $5 is assessed.

The dormant status is automatically removed once a transaction is processed. Any monetary transaction, such as deposits, withdrawals, checks clearing, ACH activity, check card activity, wire transfers or check cashing transactions will render the account active.

Customer contact is also considered activity, which includes signing and returning the mailed Dormant Notice to your local branch or calling the Customer Service Center at 1-800-235-4636 and speaking to a representative.

Please Note: Crediting of interest and service charges does not affect the dormant status.

 

Business Accounts

What type of business checking accounts do you offer?

We offer 3 different types of business checking accounts to meet your needs:

  • Easy Business Checking: Easy Business Checking is an account without a monthly service fee or minimum balance requirement for business customers who already have another account with us. For more information on our Easy Business Checking, click here.
  • Basic Business Checking: Basic Business Checking is a checking account geared towards small businesses, organizations and non-profits with just a few transactions each month. With Basic Business Checking, there are no monthly service fee or minimum balance requirements, and you receive 50 fee transactions per month. For more information on our Basic Business Checking, click here.
  • Commercial Business Checking: Commercial Business Checking is a checking account geared towards businesses that keep high balances and make many transactions. For more information on our Commercial Business Checking, click here. 

Click here to compare our business checking accounts and find the best fit for you!

 

Ready to get started?

Stop into a local branch.

What type of savings accounts do you offer for businesses?

We offer the following business savings accounts:

  • Business Ultimate Money Market: A tiered interest rate savings account that provides a competitive rate and the flexibility of daily liquidity and convenient check writing.  For more information on our Business Ultimate Money Market account, click here.
  • Regular Business Savings: A basic, interest bearing savings account for small businesses, organizations and non-profits with few transactions each month. For more information on our Regular Business Savings, click here.
  • Business CDs (Certificate of Deposit): High interest rate savings accounts with locked in terms for a guaranteed rate. Our Business CD account terms range from 6 months to 5 years to provide flexibility in saving for your short term and long term investment needs. Start saving and earning interest with a minimum  of $1,000. For more information on our Business CD accounts, click here.

Click here to compare our business savings accounts and find the best for you!

Check out our current rates here.

Ready to get started?

Stop into a local branch.

 

What is the opening deposit requirement to open a business checking account?

Our business checking accounts have an opening balance requirement of $100.

Ready to get started?

Stop into a local branch.

What is the opening deposit requirement to open a business savings account?

The opening balance requirements for our business savings accounts vary depending on the account type and range from $100 to $2,500. To view our complete minimum opening balance requirements our current rate sheet, click here.

Ready to get started?

Stop into a local branch.

What are Merchant Services?

Merchant Services allows you to accept credit, debit and gift card payments at your place of business.  We have partnered with FIS Merchant Services to provide our business customers a wide array of convenient, cost-effective, secure payment processing solutions, ranging from mobile and point-of-sale payment systems to loyalty programs. Other business solutions, like gift cards, integrated terminals, ecommerce and online billing are also available.

Click here for more information on services available.

Ready to get started?

Stop into a local branch or call our Customer Service Department at 1-800-235-4636 to set up an appointment with a FIS Merchant Services representative today.

What type of payroll processing services do you offer?

We offer two different payroll processing services through our partnerships with SurePayroll and PAYCHEX®

  • Business Online Payroll:  Offered through our partnership with SurePayroll, Business Online Payroll is a full service, self-managed, online payroll solution. Users have the ability to process payroll and view reports online any time. There is a simple, flat-rate monthly fee for first 10 employees.
  • PAYCHEX® Full Service Payroll: Offered through our partnership with PAYCHEX® Full Service Payroll provides a comprehensive suite of payroll, payroll tax, and employee pay services to businesses of all sizes.  Services also include HR administration services and 401K-employee and benefit administration. This option is a full service payroll for larger businesses with complex payroll needs.

Click here  to compare our payroll processing services to find the best fit for your business.

Ready to get started?

Stop into a local branch or call our Customer Service Department at 1-800-235-4636 to set up an appointment with a  Payroll Processing representative today.

What type of Business Credit Cards do you offer?

We offer 3 different Business Credit Cards:

  • Business Edition® Visa® Card: For businesses looking for a credit card with a low introductory rate.
  • Business Edition® Visa® Card with Absolute Rewards®: For businesses looking to earn rewards on all purchases.
  • Business Edition® Secured Visa® Card: For businesses looking for financial tools to help build their business with less than perfect credit.

For more information  on our credit cards, click here.  Compare our credit cards here.

Ready to apply?

Stop into a local branch or click here to get started online.

Credit cards are issued by First Bankcard®, a division of First National Bank of Omaha, pursuant to licenses from Visa U.S.A., Inc. and American Express.  VISA and VISA SIGNATURE are registered trademarks of Visa International Service Association and used under license.  American Express is a federally registered service mark of American Express.

 

When will I know if I am approved for a business credit card?

You will receive an email response about your credit card application within 2 to 4 weeks from applying. Upon approval you will receive your new credit card within 7 to 10 business days. 

 

How will I know if my business credit card application was declined?

First Bankcard  will contact you by letter if your application was denied or if more information is needed for your application.

Where can I find a complete list of terms and conditions for my business checking and savings accounts?

For a complete list of terms and conditions on your business checking and savings accounts, click here.

Business Banking General Questions

How can I add an additional signer to my account?

In order to add an additional signer to your business account, please stop into your local branch with a valid form of ID. Both you and the person being added, as well as any additional individuals on the account, will need to be present to sign for these changes.

Only one current signer on the account needs to be present. Only qualified individuals can be added to an account. At the time of your visit, the branch will be able to advise you whether or not the person is qualified.

How do I order checks (and other supplies) for my business account?

To order checks for your business account, visit Deluxe or call Deluxe directly at 1- 866-828-6479. 

What should I do if my account information is lost or stolen?

If your account information has been lost or stolen, please contact our Customer Service Center at 1-800-235-4636 (Option 5, 1, 1, enter your account number, #, enter your PIN, #, 0) to report the loss.

We will lock your account to guard against any unauthorized use. Once you are able, please visit your nearest branch location to close your existing account and open a new account.

What is the difference between Business Online Banking and Online Banking?

Business Online Banking is a product/service offered for business customers who use QuickBooks®.  Business customers may use Business Online Banking to download their account activity to QuickBooks®.

Business Online Banking provides:

  • Balance and account transaction history
  • The ability to transfer funds between internal accounts with the same ownership
  • The ability to download account history to QuickBooks®

 Business Online Banking DOES NOT provide:

  • Access or the ability to enroll in Online Documents (Notices and Statements)*
  • Access or the ability to enroll in Mobile Banking*
  • Access or the ability to enroll in Bill Pay*

Online Banking is a product/service that offers an entire package of electronic banking services to help you access your bank account and includes:

  • Online Documents (statements & notices)
  • Online BillPay
  • The ability to enroll in Mobile Banking (includes mobile deposit, mobile BillPay, text alerts, view balances and detailed transaction history, transfer money between internal accounts, and find local branches/ATMs)
  • The ability to export your financial information into leading money management software: Microsoft Excel® or Quicken

*Business customers who require access to any of these services AND use QuickBooks® must enroll in BOTH Online Banking and Business Online Banking. 

 

Am I able to enroll in both Online Banking and Business Online Banking?

Yes, business customers are able to enroll in both Online Banking and Business Online Banking. Business customers who require access to Mobile Banking, Online Document or Bill Pay AND use QuickBooks® must enroll in BOTH Online Banking and Business Online Banking. 

What is QuickBooks®?

QuickBooks® is accounting and financial software for small businesses. QuickBooks® is a third party product, not offered or supported by Guaranty Bank. Customers experiencing issues with QuickBooks® software itself should contact QuickBooks® for support. 

Why can't I download my transaction activity to QuickBooks® in my Online Banking?

In order to download your transaction activity to QuickBooks®,  you will need to use Business Online Banking. Business Online Banking is a separate service from Online Banking  that is offered for business customers that use QuickBooks®. To enroll in Business Online Banking, click here.

Does my business checking account need to be with Guaranty Bank to sign up for Merchant Services and/or Payroll Processing?

Having your business account with Guaranty Bank is not a requirement to take advantage of our Merchant Services and Payroll Processing services, however, Guaranty Bank customers do receive discounted rates.

What is Overdraft Protection?

Our Overdraft Protection service can automatically transfer funds from one account to another to cover unexpected overdrafts. A $15.00 fee is charged per transfer. In order to sign up for the overdraft protection a signed and completed application is required. This can be done at any one of our branch locations.

 Here are a few of the overdraft protection features:

  • No minimum transfer amount
  • A notice is mailed when a transfer has occurred showing the amount of the transfer plus the fee.
  • The amount of the overdraft, plus the fee, is withdrawn from the funding account (the account money will be drawn from to cover the overdraft) and deposited to the over drafted checking account.

Can I add CLEAR Coverage to my business checking account?

Unfortunately CLEAR Coverage is available for personal checking accounts only.  For overdraft protection, you can link your Business Ultimate Money Market or Business Regular Savings account to your business checking account.  Overdraft Protection transfers money from your linked account to cover an overdrawn balance on your checking account for $15 per transfer.

Please note, in order for Overdraft Protection to transfer funds, your linked account must have enough money available to cover the complete overdrawn balance, transfer fee, and not take you under the required minimum balance requirement.

To enroll Overdraft Protection, please visit any of our local branch locations.  

What are your overdraft fees?

We charge the following overdraft fees.

Overdraft Fee  $37 for each item paid that exceeds the available balance
Return Check/Item Fee  

$37 for each item that is returned because it exceeds the available balance

Continuous Overdrawn (OD) Fee   Fee $37 one-time fee charged when the available balance remains negative for 7 calendar days**

(If the 7th calendar day falls on a Sunday or legal holiday the date of the fee transaction will be the processing day prior to the 7th calendar day. Processing days are Monday-Saturday.)

For a complete listing of our Consumer Services and Prices, click here.

Why do I have an analysis charge on my account?

If you make cash deposits of more than $5,000 per month, an Analysis Results Charge-Cash Processing Fee of $0.25 per every $100 in cash deposits will apply. This fee applies to Easy Business Checking, Basic Business Checking, Premier Business Checking and Commercial Checking accounts and will be included in the Analysis Results Charge on your statement.

The Analysis Results Charge is in correspondence with this as deposits greater than $5,000 in cash were made to your account. The Basic Business Checking, Commercial Checking and (grand fathered) Premier Business Checking Account also may show analysis charges related to transaction fees per the Business Checking Account Disclosure

How can I access my Business Credit Card Online?

For credit cards issued through Elan,  please visit https//:www.myaccountaccess.com

For credit cards issued through First Bankcard, please visit https://www.firstbankcard.com/guarantybank/site/small_business/small_business.fhtml

Can I deposit a second party check into my business account?

Unfortunately we do not accept second party checks. All checks deposited into your business account must be made payable to your business.

Why did I receive a $5 dormancy fee?

If there is no customer-initiated activity for six months (180 days)or more on a checking account a monthly dormancy fee of $5 is assessed.

The dormant status is automatically removed once a transaction is processed. Any monetary transaction, such as deposits, withdrawals, checks clearing, ACH activity, check card activity, wire transfers or check cashing transactions will render the account active.

Customer contact is also considered activity, which includes signing and returning the mailed Dormant Notice to your local branch or calling the Customer Service Center at 1-800-235-4636 and speaking to a representative.

Please Note: Crediting of interest and service charges does not affect the dormant status.

 

I received a notice stating my acccount was inactive or dormant. What does that mean?

An account becomes inactive or dormant when there has not been customer generated activity for a period of time listed below:

 Account Type Inactive Days Dormant Days
 Checking   120 days   180 days
 Savings    N/A   N/A
 Money Market 840 days 900 days
 Certificate of Deposit   N/A   N/A

You will receive an Inactive or Dormant Notice for each account that meets the time periods listed above. The notice instructs the you  to perform a transaction on the account or sign and return the notice to the bank. You may also contact our Customer Service Center at 1-800-235-4636 and speak with a representative  to have the inactive or dormant status removed.  

Please Note: Crediting of interest and service charges does not affect the inactive or dormant status.

How do I opt my business account out of Courtesy Overdraft Services?

Unfortunately business accounts are ineligible to be opted out of Courtesy Overdraft Services.

For overdraft protection, you can link your Business Ultimate Money Market or Business Regular Savings account to your business checking account.  Overdraft Protection transfers money from your linked account to cover an overdrawn balance on your checking account for $15 per transfer.

Please note, in order for Overdraft Protection to transfer funds, your linked account must have enough money available to cover the complete overdrawn balance, transfer fee, and not take you under the required minimum balance requirement.

To enroll Overdraft Protection, please visit any of our local branch locations.  

Banking by Phone

What is the INFO Line?

The INFO Line gives you 24 hours a day, 7 days a week telephone access to your accounts. The INFO Line is an automated, self service telephone line that will allow you to check your balance, hear your most recent transactions, and enroll in various products and services. The phone number for the INFO Line is 1-800-235-4636.

What information do I need to use the INFO Line?

To access your account information using the INFO Line, you will need your full 10 digit checking or savings account number and 4 digit INFO Line PIN. 

Please note, your INFO Line PIN is not the same as your debit card PIN. If you have not previously used the INFO Line, your PIN will be the last 4 digits of your social security number.

What are the INFO Line options?

Below is the menu tree for the INFO Line.

Press ¦ 1 For English ¦ 2 For Spanish

 ¦ 1 For Personal Bank Account Information

            ¦ 1 Inquire On an account or transfer funds

                        ¦ 1 – Available and Account Balance

                        ¦ 2 – Current Transactions

                                  1-Most Recent Deposits

                                  2-Checks Cleared

                                  3-Specific Check Cleared

                                  4-Recent Withdrawals

                                  5-Specific range of checks

                                  6-Pending/In-Process Transactions

                        ¦ 3 – Interest Earned

                        ¦ 4 – Stop Payment Services

                        ¦ 5 – To transfer funds

                        ¦ 9 – Return to Main Menu

                        ¦ 0 – Customer Service Representative

                        ¦ * – Return To Previous Menu

                        ¦ # – To inquire on a different account

            ¦ 3 – Current Deposit Rate Info

                        ¦ 1 – For Wisconsin Certificate of Deposit rates

                        ¦ 2 – For Illinois Certificate of Deposit rates

                        ¦ 3 – For Michigan Certificate of Deposit rates

                        ¦ 4 – For Minnesota Certificate of Deposit rates

                        ¦ 5 – For Georgia Certificate of Deposit rates

                        ¦ 0 – Customer Service Representative

                        ¦ 9 – Return To Main Menu

                        ¦ * – Return to Previous Menu

 

            ¦ 3 – Change INFO Line Pin Number

            ¦ 4 – Merchant Verification

            ¦ 0 – Customer Service Representative

            ¦ * – Return To Previous Menu

 ¦ 2 For Loan Account Information

            ¦ 7 – Payment By Phone

            ¦ 2 – Payoff Statement

“OR CHOOSE FROM ONE OF THE FOLLOWING 6 OPTIONS”

            ¦ 1 – Account Info

                                    ¦ 1 – Payment Info

                                    ¦ 2 – Balance Info

                                    ¦ 3 – Interest Paid Info

                                    ¦ 4 – Transfer to Account

                                    ¦ 9 – Return to Main Menu

                                    ¦ 0 – Customer Service Representative

                                    ¦ * – Return To Previous Menu

                                    ¦ # – Repeat Information

            ¦ 2 – Payoff Statement

            ¦ 3 – Insurance On Property

            ¦ 4 – Rate Information

            ¦ 5 – Verification Of Mortgage

 ¦ 3 For CLEAR Coverage Information

            ¦ 1 – Current Status of Your CLEAR Coverage

            ¦ 2 – General Information about CLEAR Coverage

            ¦ 0 – Customer Service Representative


¦ 5 For Business Bank Account Information

            ¦ 1 Inquire On an account or transfer funds

                        ¦ 1 – Available and Account Balance

                        ¦ 2 – Current Transactions

                                1-Most Recent Deposits

                                2-Checks Cleared

                                3-Specific Check Cleared

                                4-Recent Withdrawals

                                5-Specific range of checks

                                6-Pending/In-Process Transactions

                        ¦ 3 – Interest Earned

                        ¦ 4 – Stop Payment Services

                        ¦ 5 – To transfer funds

                        ¦ 9 – Return to Main Menu

                        ¦ 0 – Customer Service Representative

                        ¦ * – Return To Previous Menu

                        ¦ # – To inquire on a different account

            ¦2 – Current Deposit Rate Info

                        ¦ 1 – For Wisconsin Certificate of Deposit rates

                        ¦ 2 – For Illinois Certificate of Deposit rates

                        ¦ 3 – For Michigan Certificate of Deposit rates

                        ¦ 4 – For Minnesota Certificate of Deposit rates

                        ¦ 5 – For Georgia Certificate of Deposit rates

                        ¦ 0 – Customer Service Representative

                        ¦ 9 – Return To Main Menu

                        ¦ * – Return to Previous Menu

 

            ¦ 3 – Change INFO Line Pin Number

            ¦ 4 – Merchant Verification

            ¦ 0 – Customer Service Representative

            ¦ * – Return To Previous Menu

 ¦ 6 For Information Regarding Your Courtesy Overdraft Service

            ¦ 1 – Enroll Now

            ¦ 9 – Decision will remain the same and return to main menu

 ¦ 7 For Credit Card Application Information

            ¦ 1 – Inquire on application already submitted

            ¦ 2 – Speak to a Rep on how to apply

            ¦ 9 – Return To Main Menu

            ¦ 0 – Customer Service Representative

            ¦ * – Return to Previous Menu

¦ 0 For Customer Service Representative

What is the number for Customer Service?

The number for our Customer Service Center is 1-800-235-4636.

What number can I call to open a new acccount?

To open a new personal checking, savings, or Credit Builder account by phone please contact our Customer Engagement Team at 1-855-584-2309.

To open a new business checking or savings account, please visit any of our branch locations.

What can I expect after I open my new account?

Once you have opened a new checking account with us you can expect a courtesy follow up call from our friendly Customer Engagement Team at 1-866-796-7833.  Our Customer Engagement Team will be calling to check in and make sure you have everything you need to help you get the most out of your new checking account.

Text Banking

What is Guaranty Bank Text Banking?

Text Banking gives you access to your accounts via text (SMS) messages on your phone.  It's a fast, easy way to look up account balances or recent account history by sending a text command to a shortcode.

What is the shortcode for Guaranty Bank?

All text messages should be sent to 79680. 

Please be aware that messaging and data rates may apply.

 

Can I use both Text Banking and Mobile Banking on my phone?

Yes.  Simply enroll for both Text Banking and Mobile Banking to enable this.

Is Text Banking supported on my phone?

Text Banking will work on any text message (SMS) capable phone from one of our supported carriers.

Will I receive unsolictited text messages?

No.  You will only receive messages when you specifically request them with one of the Text Banking commands or if you have set up Account/ATM/Debit Card alerts to be delivered to your phone.

What are the Text Banking commands?

 

FUNCTION COMMAND DESCRIPTION
Balance B Summary of available balance for all accounts
History H Summary of recent transactions per account
Command C List of available Text Banking commands
Help HE Help content for Text Banking
Login L Receive URL for the Guaranty Bank Mobile Browser website
Recover R Receive a URL and new activation code for the Guaranty Bank Mobile Browser website
Stop S De-activate all Guaranty Bank text services

 

Online Account Opening

How can I speed up my application if I have an existing account?

If you already have an account with us, we can automatically fill out parts of your application using the information you provided when you opened your other account. You can speed up your application using information from your ATM/debit card account or a deposit account (excluding CD accounts).

Which ownership type should I choose?

Single-Party (Individual Account) - is an account in the name of one person and owned by that person.

Joint Account - With Survivorship (And Not As Tenants In Common) - is an account in the name of two or more persons. Each of you intend that when you die the balance in the account (subject to any previous pledge to which we have agreed) will belong to the survivor(s). If two or more of you survive, you will own the balance in the account as joint tenants with survivorship and not as tenants in common.

How is my personal information used?

Federal law requires that all financial institutions obtain, verify, and record personal information that identifies each person who opens an account. Your information is securely stored on your account and customer records once your new account is opened

 

Why do I need to review and accept disclosures?

Disclosures contain the important terms and conditions that apply to your new account. Reviewing and accepting disclosures ensure that you are informed about how we will manage your new account.

Why do I need my login information?

Providing your login information allows us to verify that you own the account you are using to make a deposit in your new account.

What if I cannot provide my login information?

You can still use your account at a different bank to make a deposit. Click the link in the Login information section to use test deposits and withdrawals to verify your account ownership.

What is the test deposits and withdrawals verification process?

If you choose this option, we will make two test deposits ($.99 or less) and two matching withdrawals to your external account. You will need to access that account to see the amounts and then return to our website to enter the amounts and verify account ownership. It typically takes 2 or 4 days for these transactions to appear in your external account

Note: If you select test deposits and withdrawals, you cannot change your verification method again.

 

Why do I need to answer these security questions?

Your account at a different bank requires that you answer these questions to ensure that you own the account. This additional layer of security protects you against fraudulent attempts to withdraw money.

What if I cannot answer the security questions?

You can still use your account at a different bank to make a deposit. Click the link in the Security questions section to use test deposits and withdrawals to verify your account ownership.

If you choose this option, we will make two test deposits ($.99 or less) and two matching withdrawals to your external account. You will need to access that account to see the transaction amounts and then return to our website to enter the amounts and verify account ownership. It typically takes 2 or 4 days for these transactions to appear in your external account.

I received my test transactions, but am not sure what to do next?

Return to https://www.guarantybank.com/oac/finalizeaccount.aspx and click on the 'Complete Application' link. Enter the primary owner's e-mail address and the verification code provided in the confirmation email, then click 'Continue'. Follow the directions on the subsequent pages where you will be required to enter your test transaction amounts.

I deleted my confirmation email. What can I do?

Please call our Customer Service Center at 1-800-235-4636 or visit the nearest branch for assistance.

How long does it take for my application to be processed?

If you choose to fund your new account from either another Guaranty Bank account, a direct deposit or from credit/debit card funding the account is opened at the end of the application.  You may start to use your new account once you return the documents mailed to you. 

If you funded your account with a transfer from another bank, the account is not opened until you have confirmed the test transactions. This process can take anywhere from 2-4 business days.

When will I be able to start using my account?

A welcome letter, signature card, proxy form, and a postage paid envelope will be mailed to you once the application is processed successfully. You may start to use your new account once all the required documents are returned to the bank.

There are three options for returning the documents to the bank.

  1. You can mail the signed documents back to the bank.
  2. You can bring the signed documents to your nearest branch.
  3. You can visit the nearest branch and present your account number. The branch will print the necessary documents to complete the process.

I received an account number but am unable to view my account online or set up Online Banking.

Please call our Customer Service Center at 1-800-235-4636 or visit the nearest branch for assistance.

I requested a debit card; when will I receive it?

After opening the account, you should receive the debit card in 7-10 business days and the PIN in 3-5 business days.

I requested checks; when will I receive them?

A member of our Customer Engagement Team will contact you by phone to place your check order.

How/when will I receive my statements?

Statements are generated one month from the date your account is opened. You will receive a statement by mail unless you requested online statements via Online Banking.

You are leaving Guaranty Bank

By clicking Continue, you will be taken to a website that is not affiliated with Guaranty Bank. Please be advised that you will no longer be subject to, or under the protection of, the privacy and security policies of Guaranty Bank's website. We encourage you to read and evaluate the privacy and security policies of the site you are entering, which may be different than those of Guaranty Bank.

Continue to External Site

Account Signup

Would you like to open a savings account as well?

If you would like to apply for both a Savings and Checking account please click on the Checking Account "Apply Now" button first and you will be presented with a option to add a Savings Account.

Cancel

You are leaving Guaranty Bank

By clicking Continue, you will be taken to a website that is not affiliated with Guaranty Bank. Please be advised that you will no longer be subject to, or under the protection of, the privacy and security policies of Guaranty Bank's website. We encourage you to read and evaluate the privacy and security policies of the site you are entering, which may be different than those of Guaranty Bank.