
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.

Business Checking Accounts

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

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

Commercial Analysis Checking
Checking and cash management tools for growing businesses.
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

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

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

Certificates of Deposit
Flexible terms and business-friendly investment options you can trust.
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 |
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.
