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Choice Checking

Choice Checking offers all the features you like. Bank whenever and however you like with free online and mobile banking, access to our ATM network and Guaranty Bond Bank locations. 

Account Details:
  • Minimum Opening Balance of $50
  • No Minimum Monthly Balance
  • Unlimited Check Writing
  • Free Online Banking 
  • Free BillPay
  • Free Mobile Banking
  • Free ATM transactions2
  • Free VisaTM Debit Card
  • Free 24-Hour Phone Plus
  • 3 x 5 Safe Deposit Rental free for first year when subsequent years are set up for automatic draft (subject to availability)
How much it costs:
No monthly service charge if the combined daily balance of all your checking, savings, CD and loan accounts does not drop below $500 on any one day during the statement cycle. If the total combined balance falls below $500 on any one day a $10 fee is charged per statement cycle. The fee can also be avoided or reduced by the following credits up to a maximum of $10 per statment cycle:
  • e-Statements- Elect to recieve your Choice Checking statments electronically through online banking and recieve a $2.50 per statment cycle.
  • Direct Deposit- Elect to have your payroll or other monthly checks directly deposited to your Choice Checking account and recieve a $5.00 maximum credit per statement cycle if a direct deposit has posted during the statment cycle.
  • 10 Debit and/or ATM Card Transactions- Recieve a $0.25 credit for each debit and/or ATM card  transaction that posts and clears during the statement cycle, up to $2.50 maximum per statement cycle. Note that not all transactions post and clear at the time of the transaction.

1 Mobile Banking is free to online banking customers. However, your mobile carrier's text messaging and web access charges may apply.

2 Guaranty Bond Bank does not charge a fee for using any ATM nationwide. Usage Fee may be charged by institution that owns the ATM. 

3Overdraft protection is subject to approval.  If you have overdraft protection on your account, Guaranty Bond Bank, N.A. (“the Bank”) will not charge a fee if the item(s) that are paid results in your account being overdrawn between $0.01 and $10.00 at the end of the business day. The bank will charge a fee of $14.00 each time we pay an item drawn against non-sufficient funds when the amount of the item is less than $20.00 and is paid within your designated overdraft limit. The bank will charge you a fee of $28.00 for all other items paid or returned when drawn against non-sufficient funds. The maximum daily amount of fees the bank will charge you for overdrawing your account is $140.00. These fees may be imposed for covering overdrafts created by check, in-person withdrawal, ATM withdrawal, or other electronic means.  Whether the Bank will pay your overdrafts is discretionary and not a right or obligation. The Bank reserves the right not to pay. For example, the bank typically does not pay overdrafts if your account is not in good standing, regular deposits are not being made to your account, or there are excessive overdrafts on your account. 

Get started with Guaranty Bond Bank's Online Cash Management services - Apply Now!

Online Banking 
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Overdraft Protection3
Order Checks
Switch Kit
I.D. Requirements



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