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Unbelievably Free Checking

This is a straight-forward, easy to understand account that is UNBELIEVABLY FREE.

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
  • Free Coin Counting (subject to availability)
  • Free Notary Service
How much it costs:
No monthly service fee

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. 

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

Online Banking 
Mobile Banking
Debit Cards 
Credit Cards

Overdraft Protection3
Order Checks
Switch Kit
I.D. Requirements



Guaranty Bond Bank, N.A. Member FDIC  |  Equal Housing Lender   © 2014 Guaranty Bancshares, Inc. All Rights Reserved