1 Guaranty Bond Bank provides mobile banking as a free service to our online banking customers. However, web access and text messaging is needed to use our full range of mobile banking products and your mobile communications carrier may charge for web access and text messages. Please check with your service provider for specific fees and charges. Portions of this page are reproduced from work created and shared by Google and used according to terms described in the Creative Commons 3.0 Attribution License. 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.