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FDIC-Insured - Backed by the full faith and credit of the U.S. Government
Guaranty Bank & Trust
Online Banking Access

Personal Checking

Banking Designed With You in Mind. 

When you open a checking account at a bank, you expect great service, dependability and value.  What you don’t expect (or need) are strings attached to your account in order to avoid fees.

At Guaranty Bank & Trust, Totally Free Checking really is FREE!  Free of minimum balances and hidden weekly, monthly or annual fees.  We also have three great interest-bearing accounts to fit your every need. Plus, when you open your new account in person, you’ll get something else: a free gift to say ‘thank you.’  We’ll also buy back your old checks or debit card from another financial institution and apply $25 for checks and debit cards from another financial institution.  Your account will be credited at the time the checks/debit cards are presented.

With Guaranty Bank & Trust, you can expect top-notch customer service and a team of experts ready to assist you every step of the way. As a proud Texas institution, we understand the unique needs of our community and are committed to providing personalized service.

blue hand and money

Totally Free Checking

A popular FREE, non-interest bearing account with no minimum balance or monthly service charge.

Blue finances growing

Easy Interest Checking

FREE checking with the convenience of direct deposit or
automated payment (ACH).

Blue hands holding house

50+ Interest Checking

FREE checking for customers 50 and older, with monthly compound interest.

Blue bank deposit

Premier Interest Checking

Looking to earn more? Simply maintain a balance of $1500 or more to earn a higher variable interest rate. You will still earn interest even if your balance falls below $1,500.

Want to compare these accounts side by side? 

 
Father Son Fishing

*Every new personal checking account includes:

  • FREE Standard VISA® Debit Card
  • FREE Online Banking & Bill Pay
  • FREE Mobile Banking with Mobile Check Deposit
  • FREE eStatements with online check images
  • FREE Check Images with statements
  • FREE AllPoint ATMs
  • FREE Thank you gift
  • Buy back of your unused checks and debit cards from another financial institution*

Checking Account Comparison

Account Details:

Totally Free Checking 

  • No minimum balance
  • No Monthly Service Charge
  • Unlimited Check Writing
  • Non-Interest bearing account

Easy Interest Checking

  • No minimum balance
  • Direct Deposit or automated payment (ACH)
  • No Monthly Service Charge
  • Unlimited Check Writing
  • Variable interest rate account that earns competitive interest

50+ Interest Checking

  • 50 and older
  • No minimum balance
  • No Monthly Service Charge
  • Unlimited Check Writing
  • Free box of checks per calendar year, select styles only
  • Variable interest rate account that earns competitive interest

Premier Interest Checking 

(Our highest interest checking account)

  • $1,500 minimum balance
  • $6 Monthly Service Charge if minimum balance drops below $1,500 during your statement cycle
  • Unlimited Check Writing
  • Free box of checks per calendar year, select styles only
  • Variable interest rate account that earns a higher interest rate if the balance is above $1,500

 

 
piggy bank and home
 
Automate Your Savings Today!
Sign up for Cash RoundUp®, and every time you use your debit card, your rounded up change will automatically transfer to your savings account at the end of each business day.
 
Enroll today in Cash RoundUp® by calling or stopping by your nearest location.
 
 
 

*Unless specified otherwise, customer purchases checks. Other fees such as overdraft, continuous overdraft, etc. may apply.  See fee schedule for details. $25 for checks and debit cards from another financial institution. Your account will be credited at the time the checks/debit cards are presented. Free gift provided at the time of account opening. Ask us for details. Bank rules and regulations apply.