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Succeed With Guaranty

We Take Care Of Business So You Can Focus On Your Business's Growth

Real Businesses. Real Financial Solutions. Real Success Stories.

At Guaranty Bank & Trust, we’re proud to partner with the businesses that help our Texas communities prosper. We provide a full array of smart, flexible business checking and savings solutions, each optimized to support success and encourage growth. Reach out to one of our financial experts today and learn more about the advantages of doing business with Guaranty.

Talk to a Business Expert

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Business Checking Accounts

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Smart Business Checking

A safe, secure, and simple tool for managing your business’s finances.

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Business NOW

Earn interest on your qualified business’s hard-earned money.

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Commercial Analysis Checking

Checking and cash management tools for growing businesses.

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Business Checking Accounts Comparison

None Smart Business Checking Business NOW Commercial Account Analysis
Choose this account if: A simple straight forward account fro all small to mid-size business You want to earn interest on your checking account You want to use your balances to offset fees
Opening Deposit $50 $2,500 $50
Service Charge $10 per month $15 per month $20* per month
Minimum Balance to Avoid Service Charge and Earn Interest $1,500 $2,500 Varies*
Earns Interest (ask for our current rates) No Yes no
Requirements E-Statements* E-Statements* N/A
Transaction Limitations 100 free debit/credit transactions conducted in-person or by telephone per month. Each transaction over 100 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**
Additional Information *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 proprietorships.
*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 Business Now Checking
Account
Open a Commercial Account Analysis
Account

Savings Accounts

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Business Savings

Grow your business’s earnings with this reliable, low-risk savings solution.

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Premier Money Market

Accelerate your business’s growth with this high-yield account.

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Certificates of Deposit

Flexible terms and business-friendly investment options you can trust.

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Savings Account Comparison

Business Savings Premier Money Market Certificates of Deposit
Choose this account 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 $250 $2,500 $1,000
Service Charge $5 Quarterly $15 N/A
Minimum Balance to Avoid Service Charge $250 $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:
$2,500 - $24,999
$25,000 - $99,999
$100,000 - $249,999
$250,000 +
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 Green Checking
Account

Mobile Banking Made Easy

Access all the outstanding banking solutions you’ve come to expect from Guaranty Bank & Trust anytime, anywhere, and with just a few taps on your smartphone.

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.

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