A checking account that could save you time and money.HOW TO APPLY
THE PERFECT FIT FOR YOUR LIFESTYLE
WHY IT'S CALLED EASY
With Easy Checking*, there’s no minimum balance requirement and no per check fee. All you need is $25 to open an account and start taking advantage of convenient and exciting extras like:
- 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 Online Banking: bank from the convenience of your home or office
- FREE Mobile deposits***: Deposit a check from our mobile app on your iPhone®, iPad® or Android® smartphone by a taking picture of the front and back of your check.
- 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, paper statements available at a cost
Safer than carrying cash: Don’t have enough cash? Carrying too much to feel safe? Stop worrying about cash being lost or stolen when you have a Debit card.
A faster way to pay: Write the check, record it in your register and wait for approval; that takes too long! Instead, swipe your Debit card, hit “credit” and walk away with a handy receipt for your records.
Ease of plastic without finance charges: Purchases are deducted from your checking account as if you wrote a check.
DOUBLES AS YOUR ATM CARD
Your Debit card is the key to accessing cash at any ATM when you need it most. Use your Guaranty Bank Debit card fee-free at any Guaranty Bank or Allpoint® ATM.
The Allpoint Network gives you fee-free ATM access at 55,000 locations worldwide. Allpoint ATMs are conveniently located inside national retailers. Some ATMs may be branded by another financial institution, but don’t worry, transactions are fee-free when you see the Allpoint logo. 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
|SURCHARGE FEE||$0||$0||approx $2 - $3|
|TOTAL||$0||$0||approx. $5 - $6|
BANK ON YOUR OWN SCHEDULE
Online Banking and BillPay give you the power to manage your Easy Checking account and pay bills 24 hours a day from the convenience of your computer.
SIMPLE AND SECURE
Pay your bills online with simplicity and security with BillPay. This free service allows you to pay virtually any bill online from any merchant. You can also set up recurring payments for regular bills like your mortgage or car payment, so you’re sure to pay on time, every time.
HOW IT WORKS
After enrolling in Online Banking, you can log in to your account through the Guaranty Bank website. Here you will see your Easy Checking balance, recent transactions, and a range of options, including “Pay and Transfer.” This option allows you to pay bills online simply by following the instructions on the screen and transfer money between your Guaranty Bank accounts.
Click below to take a tour of how Online Banking works.
Click here to enroll in Online Banking today!
Get access to your funds more quickly and safely. With free Direct Deposit, your check is automatically deposited into your account. So your paycheck is available right away on the day you get paid, with no check holds.
Direct Deposit reduces your trips to the bank and prevents lost or misplaced checks. You can also easily keep track of your deposits with Online Banking.
ASK YOUR EMPLOYER TO GET YOU SET UP
We provide a Direct Deposit authorization form to help guide you through the enrollment process. Click here to download the form. Complete the form and and then talk with your human resources representative or payroll administrator about setting up Direct Deposit.
SOCIAL SECURITY DIRECT DEPOSIT
If you need to enroll in social security direct deposit, click here for more details.
If you prefer to use paper checks, write on! As with all our accounts, Easy Checking offers unlimited check writing – no cap, or fees.
CUSTOMIZED TO MEET YOUR NEEDS
With your Easy Checking account, you can sign up to receive account notifications via email. These alerts are customized to meet your needs. You select the criteria, and we’ll send you an email to keep you up-to-date on your balance, recent deposits and more.
*Personal 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.
App Store is a registered service mark of Apple Inc. iPhone and iPad are registered trademarks of Apple Inc. Apple Inc. is not an affiliate of Guaranty Bank. Use of these marks does not imply any association, affiliation, connection, endorsement, sponsorship, or approval by Apple Inc. of Guaranty Bank’s products and services. Use of these marks are subject to the Guidelines for Using Apple Trademarks and Copyrights and the Apple Trademark List.
Android is a registered trademark of Google Inc. Google Play is a registered trademark and a registered service mark of Google Inc. Google Inc. is not an affiliate of Guaranty Bank. Use of these marks does not imply any association, affiliation, connection, endorsement, sponsorship, or approval by Apple Inc. of Guaranty Bank’s products and services. Use of these marks is subject to Google Permissions and Android Brand Guidelines.