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Student Checking

Head Of The Class

Still, learning the ABCs of money management? Ready to graduate to a more grown-up banking solution? Apply today for a Guaranty Bank & Trust Student Checking account. We understand that young people between the ages of 13 and 241 have unique financial needs. That's why we never charge for online banking, mobile banking, or P2P payments — and our friendly Texas bankers are only a phone call or click away.

Open A Student Checking Account Find Your Nearest Guaranty Location

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Student Checking Highlights


Free Mastercard® Debit Card


$50 Opening Balance
Monthly Electronic Statements2

Easy Access

Free Mobile Banking3
Free Online Banking

Extra Credit

Over 55,000 Surcharge-Free ATMs Worldwide4
Free Coin Counting Where Available
Free Notary Service

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Changing Banks?

We've created a step-by-step guide to make it easy for you to switch your direct deposits and automatic payments.

Bank In The Heart Of Texas

Where you bank makes a difference. When you bank with Guaranty, every dollar you spend — and every penny you save — helps your community prosper. And, because generations of Texans have invested in us over the last 100 years, we’re able to complement today’s most state-of-the-art banking solutions with personalized service and support. Whatever your financial goals, we’re here to help you achieve them.

Request an Appointment Bank Local

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1Students between 13-17 years old must have an adult joint owner who is a minimum of 18 years old. On the account owner's 25th birthday, the account will convert to another account type.

2This account requires statements to be sent electronically for both the checking and savings accounts. If you un-enroll in e-statements at any time, the account(s) will be converted to another account type.

3Mobile Banking is free to online banking customers. However, your mobile carrier's text messaging and web access charges may apply.

4Guaranty Bank & Trust does not charge a fee for using any ATM nationwide or an ATM in the Allpoint network. Usage Fee may be charged by the institution that owns the ATM.