Family running 1920x700.png

Guaranty Checking Accounts

Compare your checking account options.

Our checking account options are designed to meet your specific needs and help you reach your financial goals. Whether you’re looking for a basic checking account with no monthly fees or a high-interest checking account that helps you grow your savings, we have the perfect option for you. With Guaranty Bank & Trust, you can expect top-notch customer service and a team of experts ready to assist you every step of the way. As a proud Texas institution, we understand the unique needs of our community and are committed to providing personalized service. Don’t wait any longer to learn why we are the best bank for checking account – open a checking account with us today and start on the path to financial success.

Totally Free
Guaranty Green® Checking Student Checking Premium Checking Choice Checking
Choose this account if: You want easy and free checking. You want a great student account for ages 13-24. You want to earn interest on higher balances. You want paper statements
Opening Deposit $50 $50 $50 $50
Service Charge $0 $0 $15 $0
Minimum Balance to Avoid Service Charge & Earn Interest N/A N/A $2,500 N/A
Earns Interest (ask for our current rates) No No Yes No
Requirements E-Statements Ages 13-24 only
and E-Statements*
E-Statements* E-Statements*
Transaction Limits Unlimited Unlimited Unlimited Unlimited
Overdraft Protection¹ $300* No $500** $300**
Zelle Yes Yes Yes Yes
Additional Information *Enrollment in Overdraft Protection¹ will occur 30 days after account opening.

No monthly service charge or minimum balance fee. Other fees, including but not limited to overdraft fees and inactivity fees may apply. See fee schedule for details.
*Ages 13-17 must have adult joint owner (over 18).
On 25th birthday account will convert to another type of account.
Checks are not available on this account.
*Paper statements available for $5.00 per month.
**Enrollment in Overdraft Protections¹ will occur 30 days after account opening.
*Paper statements available for $5.00 per month.
**Enrollment in Overdraft Protections¹ will occur 30 days after account opening.
Open a Green Checking
Account
Open a Green Checking
Account
Open a Green Checking
Account
Find a a
Location

Checking Account Features

All Guaranty checking accounts offer these convenient features:

For your added peace of mind, FDIC insurance is provided up to the maximum limit permitted by law.

Digital Banking

  • Online access for easy account management
  • Bill pay services to easily manage and pay bills online
  • Mobile Banking
  • Monthly e-statements for easy tracking of your account activity

Debit Cards & ATMs

  • Debit card for convenient purchases and ATM withdrawals
  • Access to a network of 55,000 surcharge free ATMs Worldwide2 for fee-free withdrawals
  • Deposit Cash at ATMs3

Services

  • Notary Service
  • 24 Hour Phone Plus
  • Coin Counting

Need a savings account also? We have you covered!

We have savings options to fit your needs. Let us help you earn more!

Why Guaranty?

Discover why Guaranty Bank & Trust stands out as a trusted financial partner for Texans.

Learn More about Guaranty

Frequently Asked Questions

A checking account is a type of bank account designed for everyday financial transactions. Here are some key features:

  • Deposits and Withdrawals: You can deposit money into your checking account and withdraw it as needed. This can be done through ATMs, electronic transfers, or by writing checks.
  • Bill Payments: Checking accounts are often used to pay bills, either by writing checks or setting up automatic electronic payments.
  • Debit Card Access: Most checking accounts come with a debit card, which you can use for purchases and ATM withdrawals.
  • Low or No Interest: Unlike savings accounts, checking accounts typically do not earn interest, or if they do, the interest rate is very low.
  • Fees: Some checking accounts may have fees, such as monthly maintenance fees or overdraft fees, but these can often be avoided by meeting certain requirements.

Checking accounts are a convenient way to manage your daily finances, making it easy to access your money and pay for expenses.

The main differences between a checking account and a savings account are their purposes and features:

Checking Account

  • Purpose: Designed for everyday transactions like paying bills, making purchases, and withdrawing cash.
  • Interest: Typically earns less than a savings account.
  • Accessibility: Funds are easily accessible through online banking, debit cards, checks, and ATMs.
  • Fees: May include monthly maintenance fees, overdraft fees, and ATM fees.

Savings Account

  • Purpose: Intended for saving money over time, such as for emergencies or specific goals.
  • Interest: Usually offers higher interest rates compared to checking accounts, helping your money grow.
  • Accessibility: Limited number of withdrawals per month, often six, to encourage saving.
  • Fees: May have fees for exceeding withdrawal limits or not maintaining a minimum balance.

Having both accounts can help you manage your finances more effectively by using the checking account for daily expenses and the savings account to grow your funds.


  1. 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.


  2. 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.

  3. Surcharge-free ATMs when using Guaranty Bank & Trust ATM or an ATM in the Allpoint network. Find one near you at allpointnetwork.com/locator.html.
  4. Not available at all ATMs.
  5. Mastercard is a registered trademark of Mastercard International Incorporated.