Succeed With Guaranty
We Take Care Of Business So You Can Focus On Your Business's Growth
Business Checking Accounts Comparison
| Free Business Checking | Smart Business Checking | Business NOW Checking | Commercial Account Analysis | |
|---|---|---|---|---|
| This account is for you if: | A free account for small businesses | A simple straight forward account for small to mid-size businesses | You want to earn interest on your checking account | You want to use your balances to offset fees |
| Opening Deposit | $50 | $50 | $2,500 | $50 |
| Service Charge | No Service Charge | $10 per month | $15 per month | $20* per month |
| Minimum Balance to Avoid Service Charge and Earn Interest | N/A | $1,500 | $2,500 | Varies* |
| Earns Interest (ask for our current rates) | No | No | Yes | No |
| Requirements | E-Statements* | E-Statements* | E-Statements* | N/A |
| Transaction Limitations | Up to 250 free debit/credit transactions per month** | 500 free per month. Each transaction over 500 will be assessed a fee of $0.20. |
25 checks per statement cycle $0.25 for each over 25 | Unlimited |
| Overdraft Privilege | $500*** | $500** | $500** | $500** |
| Additional Information | *This account requires monthly statements to be sent electronically. If you unenroll in e-statements at any time, the account will be converted to another account type.
**If transaction limit is exceeded for 3 consecutive months, the account will be converted to another account type. ***Enrollment in Overdraft Privilege will occur 90 days after account opening. Overdraft charge is $29 per item |
*Paper statements available for $5.00 per month.
**Enrollment in Overdraft Privilege will occur 90 days after account opening. Overdraft charge is $29 per item |
Exclusively for non-profit organizations, governmental accounts and sole proprietors.
*Paper statements available for $5 per month
**Enrollment in Overdraft Privilege will occur 90 days after account opening. Overdraft charge is $29 per item |
*Account balances accrue an
earnings credit allowance that
is used to partially or fully offset analysis fees. Refer to the business banking and Treasury Management fee schedule for a complete list of analysis fees.
**Enrollment in Overdraft Privilege will occur 90 days after account opening. Overdraft charge is $29 per item |
| Open a Smart Business Checking Account |
Open a Smart Business Checking Account |
Open a Smart Business Checking Account |
Open a Commercial Account Analysis Account |
Savings Account Comparison
| Business Savings | Premier Money Market | Certificates of Deposit | |
|---|---|---|---|
| This account is for you if: | You are looking for a simple way to save money | You want to earn interest while having immediate access to your funds | You want to earn a fixed rate of return |
| Opening Deposit | $100 | $2,500 | $1,000 |
| Service Charge | $5 Quarterly | $15 | N/A |
| Minimum Balance to Avoid Service Charge | $100 | $2,500 | N/A |
| Minimum Balance Earn Interest | $0.01 | $2,500 | $1,000 |
| Earns Interest (ask for our current rates) | Yes | Yes | Yes |
| Requirements | E-Statements* | E-Statements* | N/A |
| Transaction Limitations | 6 debits per quarter $3 per debit transaction over 6 | 6 debits per statement cycle $3 per debit transaction over 6 | Penalty for early withdrawal |
| Additional Information | *Paper statements available for $5 per quarter | *Paper statements available for $5 per month
Interest Rate Tiers: $0 - $2,499.99 $2,500 - $24,999.99 $25,000 - $99,999.99 $100,000 - $249,999.99 $250,000 - $499,999.99 $500,000 - $999,999.99 $1,000,000 + |
Variety of terms available
ranging from 7 days to 5 years.
Better rates when you also have a Guaranty Bank & Trust checking account. |
| Open a Green Checking Account |
Open a Green Checking Account |
Open a Commercial Account Analysis Account |
Real Businesses. Real Financial Solutions. Real Success Stories.
At Guaranty Bank & Trust, we take pride in partnering with businesses that drive prosperity in our Texas communities. We offer a comprehensive range of smart, flexible business checking and savings solutions, each designed to foster success and growth. Connect with one of our bankers today to discover the benefits of banking with Guaranty.
Bank Better. Bank Local With Guaranty.
Whether you’ve just made your first sale or are ready to scale your operations, Guaranty Bank & Trust can help your business grow to seize every new opportunity that comes its way. Open an account with us today and put our financial strength, stability, and expertise to work for you.
