Personal Checking Accounts

Easy Checking

Easy Checking1 could save you time and money. There’s no minimum balance and no per check fee. It also comes with convenient and exciting extras like free** Mobile Banking. 

Why it's easy:

  • Visa® Debit card with no annual fee
  • Unlimited check writing
  • FREE transactions at all Guaranty Bank and Allpoint ATMs
  • FREE BillPay: once you try it you'll never go back
  • FREE Mobile Banking**: quickly deposit paper checks using your phone, pay nearly any bill, and find local branches and more — all from your phone.
  • FREE Alerts: keep tabs on your account by setting up customized alerts via email
  • FREE of minimum balance requirement so none of your money is tied up
  • FREE Online Statements: or paper statements for $2 per month
HOW TO APPLY Learn More

My Money Account

If you like the ease and reliability of a prepaid card, you’re going to love My Money3 - a checking 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)3 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.

Had problems with banks before? No problem

Don’t let mistakes from your past keep you from a better financial future. You may qualify even if you have a ChexSystemsTM record. Talk to one of our helpful bankers today.

How to Apply LEARN MORE

What's included with our checking accounts


Offers Easy Checking

My Money

Guaranty Bank & Allpoint ATMs Free  Free  
Online Banking Free Free
Alerts Free Free
BillPay Free Free
Unlimited Checkwriting Free Free
Checks Available, Fee Varies Available, Fee Varies
Visa® Debit Card No Annual Fee No Annual Fee
Monthly Service Fee

$5 (No monthly fee with a qualifying activity)1

$10 ($5 with qualifying activity)3
Minimum Balance Req None None
Painless Qualification Yes Yes- you may qualify even if you have a ChexSystemsTM record

1Personal accounts only. Minimum to open Easy Checking is $25. No minimum balance.  Monthly maintenance fee is $5. If the account has paper statements an additional $2 monthly fee applies. Other fees may apply, such as overdraft, early closing and ATM. See the Consumer Account and Deposit Disclosure for terms and fees that may apply and for information on how to avoid the monthly maintenance fee. Terms and fees are subject to change.  Account opening is subject to approval. 

 

**Message and data rates may apply. 


3Personal accounts only. Minimum to open My Money is $25. A $10 monthly service fee applies. If the account has paper statements an additional $2 monthly fee applies. Other fees may apply, such as early closing and ATM.  Account is not eligible for the courtesy overdraft service and has no overdraft fees. See the My Money Account Disclosure and Deposit Disclosure available at guarantybank.com or from any branch for terms and fees that may apply and for information on the qualifying activity. Terms and fees are subject to change. Account opening is subject to approval.


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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.

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