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General Questions

Are joint accounts FDIC insured?

Yes, at Guaranty, your deposits are covered by the FDIC for up to $250,000 per depositor. Learn more about FDIC insurance.

Are there fees for making an account transfer?

Guaranty Bank & Trust does not charge a fee for account transfers made through online banking or our mobile app.

Does Guaranty Bank & Trust sell repossessed or foreclosed properties?

Guaranty Bank & Trust does from time to time sell repossessed or foreclosed property. Please contact us at (888) 572-9881 and asked for Donna Hughes.

Does Guaranty use Chexsystem?

Guaranty does use Chexsystem when opening deposit accounts.

ChexSystems is a consumer-reporting agency that gathers information about problems you've had with checking accounts. ChexSystems reports include, but aren't limited to, account misuse or fraudulent activity that has occurred within the previous five years.

Do I need to notify you if I will be traveling?

Yes. We have some rules and restrictions on States and Countries. You may get a potential denial if you go out of town. To prevent getting denied while out of town, here are a few steps for a travel Notice.

You will need to either call us at 1-888-572-9881, go into a location or send a message through Online Banking. You should state, all the places you will be going to, the dates of travel and your mode of transportation.

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How can I get a freeze released?

You will need to contact the agency that sent the freeze. The freeze can be released when the agency sends a release request to the bank. You may be required to pay what is owed to the agency before we release the hold.

How do I learn more about investing in Guaranty Bancshares, Inc.?

Guaranty Bancshares, Inc. is a bank holding company that conducts banking activities through its wholly-owned subsidiary, Guaranty Bank & Trust, N.A. As one of the oldest regional community banks in Texas, Guaranty Bank & Trust provides its customers with a full array of relationship-driven commercial and consumer banking products and services, as well as mortgage, trust, and wealth management products and services that are tailored to meet the needs of small and medium-sized businesses, professionals, and individuals.

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How do I open a savings or TUTMA account for my minor child?

For more information about these accounts please contact us at (888) 572-9881 or visit your nearest location.

How do I re-order checks and/or deposit slips?

The bank has partnered with Deluxe to order checks and deposit slips. Simply completing this form. You can reorder checks by contacting your location directly, contacting our Customer Care Center at (888) 572-9881 or while logged into your online banking via the website. If you choose to reorder checks via online banking, you will find a Reorder Checks under the Quick Links found within our All Services and Settings in online banking. This will redirect you to the Deluxe website, where we order our customer checks from.

*If you have not had checks on your account before, or if your address has changed between your last check order and your check reorder, you will need to contact us via phone to place a check reorder.*

How do I schedule an appointment to visit a location, phone call, or video meeting?

Scheduling an appointment is easy, just complete this simple form and we will be in touch with you to set up your appointment.

I am out of town and need cash. Where can I find a surcharge-free ATM?

Guaranty Bank & Trust is part of the Allpoint ATM network which gives you access to surcharge-free ATMs worldwide. Click here to find an Allpoint ATM near you.

What are the standard overdraft practices that come with my account?

We do authorize and pay overdrafts for the following types of transactions:

• Checks and other transactions made using your checking account number
• Automatic bill payments

We do not authorize and pay overdrafts for the following types of transactions unless you ask us to:

• ATM transactions
• Everyday debit card transactions

We pay overdrafts at our discretion, which means we do not guarantee that we will always authorize and pay any type of transaction.

If we do not authorize and pay an overdraft, your transaction will be declined.

What fees will I be charged if Guaranty Bank & Trust pays my overdraft?

Under our standard overdraft practices:

Overdraft protection ("ODP") is subject to approval. There are fees associated with the payment of overdrafts as well as for any items we may return. Fees charged for covering overdrafts will be subtracted from the ODP limit.

For consumer accounts that have ODP:

• 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. If the daily ending balance results in the account being overdrawn more than $10.00 at the end of the business day, every item that overdraws the account will result in an overdraft fee. See below for those amounts.
• The bank will charge a fee of $14.50 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 $29.00 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 $145.00.

For consumer accounts that do not have ODP:

• 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. If the daily ending balance results in the account being overdrawn more than $10.00 at the end of the business day, every item that overdraws the account will result in an overdraft fee. See below for those amounts.
• The bank will charge a fee of $29.00 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 $145.00.

These fees may be imposed for covering overdrafts created by check, in-person withdrawal, ATM withdrawal, Automatic Loan Payments, 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. Termination of your overdraft protection and/or account can result if the account remains in overdraft status for a period of 45 consecutive calendar days, and may lead to the account being charged off after 60 consecutive days. Guaranty Bank & Trust also offers other services to you to avoid overdraft fees such as setting up an automatic transfer of funds from another account to the account that needs the funds to prevent overdraft. There may be other fees associated with that service. Automatic Loan Payments can be scheduled through Online Banking which may be less expensive than our standard overdraft practices.

What happens if I try to withdraw more money than I have in my account?

If your account is opted-in, you will be able to withdrawal your account into the negative up to your overdraft limit. If your account is not opted-in, your transaction will not be approved and you will not be able to withdraw more funds than you have available.

What is an overdraft protection?

An overdraft occurs when you do not have enough money in your account to cover a transaction, but we pay it anyway.

Under our standard overdraft practices:

Overdraft protection ("ODP") is subject to approval. There are fees associated with the payment of overdrafts as well as for any items we may return. Fees charged for covering overdrafts will be subtracted from the ODP limit.

For consumer accounts that have ODP:

• 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. If the daily ending balance results in the account being overdrawn more than $10.00 at the end of the business day, every item that overdraws the account will result in an overdraft fee. See below for those amounts.
• The bank will charge a fee of $14.50 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 $29.00 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 $145.00.

For consumer accounts that do not have ODP:

• 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. If the daily ending balance results in the account being overdrawn more than $10.00 at the end of the business day, every item that overdraws the account will result in an overdraft fee. See below for those amounts.
• The bank will charge a fee of $29.00 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 $145.00.

These fees may be imposed for covering overdrafts created by check, in-person withdrawal, ATM withdrawal, Automatic Loan Payments, 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. Termination of your overdraft protection and/or account can result if the account remains in overdraft status for a period of 45 consecutive calendar days, and may lead to the account being charged off after 60 consecutive days. Guaranty Bank & Trust also offers other services to you to avoid overdraft fees such as setting up an automatic transfer of funds from another account to the account that needs the funds to prevent overdraft. There may be other fees associated with that service. Automatic Loan Payments can be scheduled through Online Banking which may be less expensive than our standard overdraft practices.

What is Guaranty Bank & Trust's routing number?

Our routing number is 1 1 1 9 1 5 3 2 7.

What is Swift Code?

Swift Code is used to identify a specific bank during an international transaction. It identifies the country, bank, and branch where the recipient's account is held. Not all financial institutions utilize a Swift code. For more information regarding Swift code. Please contact us at 1-888-572-9881

What is the history of Guaranty Bank & Trust?

Established in 1913, Guaranty Bank & Trust is one of the oldest and most respected banks in Texas. We have achieved this success by providing the communities we serve with a different kind of bank. One that believes smart banking is about investing in people, not just credit scores; succeeding with the community, not at its expense; and having a plan for your growth, not just our own.

What is your ATM fee?

Guaranty Bank & Trust does not charge a fee for using any ATM nationwide. Usage Fees may be charged by the institution that owns the ATM.

Who do I contact if a freeze has been placed on my account by the IRS or state agency?

You will need to contact the IRS or state agency for more information. Please call us (888) 572-9881 and speak to Deposit Operations to get the phone number of the agency.