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Smart Business Checking

Business Checking That Works For You

We don’t think managing your business’s finances should be difficult. You have enough on your plate as it is. With our Smart Business Checking account, we make it safe, secure, and simple. This account and all of our business products are designed to help you grow and scale with ease.

Open Now Find Your Nearest Guaranty Location

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Smart Business Highlights


  • Free Mastercard® Business Debit Card
  • Free ATM Transactions¹
  • Free 24-Hour Phone Plus
  • Free Coin Counting (available at most locations)
  • Free Notary Service


  • $50 Minimum Opening Balance
  • $1,500 Minimum Balance²
  • 100 Free debit/credit transactions conducted in-person or by phone per month3
  • E-Statements4

Easy Access

  • Free Mobile Banking
  • Free Online Banking with Bill Pay


1 Surcharge-free ATMs when using Guaranty Bank & Trust, N.A. ATMs or an ATM in the Allpoint network. Find one near you.
2 If the balance falls below $1,500.00 on any day in the statement cycle, the account is subject to a $10.00 service charge.
3Each transaction over 100 conducted in-person or by telephone will be assessed a fee of $0.20.
4 Paper Statements available for $5.00 a month.

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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