COMMUNITY REINVESTMENT ACT NOTICE
CRA Public File
Under the Federal Community Reinvestment Act (CRA), the Office of the Comptroller of the Currency (OCC) evaluates our record of helping to meet the credit needs of this community consistent with safe and sound operations. The OCC also takes this record into account when deciding on certain applications submitted by us.
Your involvement is encouraged.
You are entitled to certain information about our operations and our performance under the CRA, including, for example, information about our branches, such as their location and services provided at them; the public section of our most recent CRA Performance Evaluation, prepared by the OCC; and comments received from the public relating to our performance in helping to meet community credit needs, as well as our responses to those comments. You may review this information today. You may inquire at this location, at any of our other bank locations, or by email to [email protected].
At least 30 days before the beginning of each quarter, the OCC publishes a nationwide list of the banks that are scheduled for CRA examination in that quarter. This list is available from the Deputy Comptroller, Southern District, Office of the Comptroller of the Currency, 500 North Akard Street, Suite 1600, Dallas, TX 75201. You may send written comments about our performance in helping to meet community credit needs to the Compliance Department, Guaranty Bank & Trust, N.A., P.O. Box 1158, Mt. Pleasant, TX 75456-1158 and Deputy Comptroller, Southern District, Office of the Comptroller of the Currency, 500 North Akard Street, Suite 1600, Dallas TX 75201. You may also email comments to the OCC at [email protected]. Your letter, together with any response by us, will be considered by the Comptroller in evaluating our CRA performance and may be made public.
You may ask to look at any comments received by the OCC Deputy Comptroller. You may also request from the OCC Deputy Comptroller an announcement of our applications covered by the CRA filed with the OCC. We are an affiliate of Guaranty Bancshares, Inc., a bank holding company. You may request from the Officer in Charge of Supervision, Federal Reserve Bank of Dallas. 2200 N. Pearl Street, Dallas, TX 75201 an announcement of applications covered by the CRA filed by bank holding companies.
FDIC INSURANCE COVERAGE LIMITS
For more information on FDIC deposit insurance, please visit: http://www.fdic.gov/deposit/
FUNDS AVAILABILITY DISCLOSURE
Your Ability to Withdraw Funds
Our policy is to make funds from your cash and check deposits available to you on the first business day after the day we receive your deposit. However, funds from electronic direct deposits will be available on the day we receive the deposit. Once the funds are available, you can withdraw them in cash, and/or we will use them to pay checks that you have written. For determining the availability of your deposits, every day is a business day, except Saturdays, Sundays, and federal holidays. If you make a deposit before the bank location closes, or 5:00 PM, whichever is earliest, on a business day that we are open, we will consider that day to be the day of your deposit. However, if you make a deposit after the bank location closes, or 5:00 PM, whichever is earliest, or on a day we are not open, we will consider that the deposit was made on the next business day we are open.
Reservation of Right to Hold
In some cases, we will not make all of the funds that you deposit by check available to you on the first business day after the day of your deposit. Depending on the type of check that you deposit, funds may not be available until the second business day of your deposit. The first $225 of your deposit, however, may be available on the first business day after the day of your deposit. If we are not going to make all of the funds from your deposit available on the first business day after we receive your deposit, we will notify you at the time you make your deposit. We will also tell you when the funds will be available. If your deposit is not made directly to one of our employees, or if we decide to take this action after you have left the premises, we will mail you the notice by the business day after we receive your deposit. If you need the funds from a deposit right away, you should ask us when the funds will be available.
Longer Delays May Apply
We may delay your ability to withdraw funds deposited by check into your account an additional number of days for these reasons:
- You deposit checks totaling more than $5,525 on any one day.
- You redeposit a check that has been returned unpaid.
- You have overdrawn your account repeatedly in the last six months.
- We believe a check you deposit will not be paid.
- There is an emergency, such as failure of computer or communications equipment.
We will notify you if we delay your ability to withdraw funds for any reason, and we will tell you when the funds will be available. They will generally be available no later than the seventh business day after the day of your deposit.
Holds on Other Funds
If we cash a check for you that is drawn on another bank, we may withhold the availability of a corresponding amount of funds that are already in your accounts. Those funds will be available at the time funds from the check we cashed would have been available if you had deposited it. If we accept for deposit a check that is drawn on another bank, we may make funds from the deposit available for withdrawal immediately but delay your availability to withdraw a corresponding amount of funds that you have on deposit in another account with us. The funds in the other account would then not be available for withdrawal until the time periods that are described elsewhere in this disclosure for the type of check that you deposited.
Special Rules for New Accounts
If you are a new customer, the following special rules will apply during the first 30 days your account is open.
Funds from electronic direct deposits to your account will be available on the day we receive the deposit. Funds from deposits of cash, wire transfers, and the first $5,525 of a day's total deposits of cashier's, certified, teller's, traveler's and federal, state and local government checks will be available on the first business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to you. The excess over $5,525 will be available on the ninth business day after the day of your deposit. If your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our employees, the first $5,525 will not be available until the second business day after the day of your deposit.
Funds from deposits of checks drawn on Guaranty Bank & Trust, N.A. will be available on the first business day after the day of your deposit. Funds from all other check deposits will be available on the ninth business day after the day of your deposit.
UNLAWFUL INTERNET GAMBLING ENFORCEMENT
Unlawful Internet Gambling Enforcement Act (UIGEA) of 2006, Effective December 1, 2009
The UIGEA, signed into law in 2006, prohibits any person engaged in the business of betting or wagering (as defined in the Act) from knowingly accepting payments in connection with the participation of another person in unlawful internet gambling. The Department of Treasury and the Federal Reserve Board have issued a joint final rule, Regulation GG, to implement this Act.
As defined in Regulation GG, unlawful Internet gambling means to “place, receive or otherwise knowingly transmit a bet or wager by any means which involves the use, at least in part, of the internet where such bet or wager is unlawful under any applicable Federal or State law in the State or Tribal lands in which the bet or wager is initiated, received or otherwise made.”
In accordance with the requirements of the Unlawful Internet Gambling Enforcement Act of 2006 and Regulation GG, this notification is to inform you that restricted transactions are prohibited from being processed through your account or relationship with our institution. Restricted transactions are transactions in which a person accepts credit, funds, instruments or other proceeds from another person in connection with unlawful Internet gambling.
If you do engage in an Internet gambling business and open a new account with us, we will ask that you provide evidence of your legal capacity to do so.
Please contact our Compliance Department at (888) 572-9881 if you would like additional information on UIGEA or Regulation GG.
WEB LINKING PRACTICES
Guaranty Bank & Trust, N.A. may provide access to information, products, or services offered on websites that are owned or operated by other companies ("third-party websites"). We provide this access through the use of hyperlinks that automatically move you from a Guaranty Bank & Trust, N.A. website to a third-party site.
While we do our best to provide you with helpful, trustworthy resources, Guaranty Bank & Trust, N.A. cannot endorse, approve or guarantee information, products, services, or recommendations provided at a third-party website. Because we may not always know when information on a linked site changes, Guaranty Bank & Trust, N.A. is not responsible for the content or accuracy of any third-party website. Guaranty Bank & Trust, N.A. shall not be responsible for any loss or damage of any sort resulting from the use of a link on its websites nor will it be liable for any failure of products or services provided on these linked sites.
Links from the Guaranty Bank & Trust, N.A. website include the following, but may not be limited to the following
Adobe (for PDF e-statements)
Microsoft Internet Explorer
MarketWatch (content aggregator)
S1 (financial calculators)
Occasional Link from a news story to the information source (newspaper, etc.)
Kelly Blue Book
Texas Department of Banking