Personal Banking

Guaranty Bank makes managing your finances easy and convenient with 24-hour Online Banking and Bill Pay. Online or in person, we are available when you need us. Please contact a Personal Banker for personal service and attention.

√  Free Visa Check Card
√  Free Online Banking
√  Free Online Bill Payment
√  Free 24-Hour Automated Telephone Banking
√  Discounted rates on select consumer loans
√  Premium rates on Certificates of Deposit
√  Overdraft protection from savings or an approved line of credit
√  Unlimited customer service

Featured Product

FDIC Insurance Calculator

Quick Comparison

Guaranty Value Checking
This is free checking. All the features and benefits you need manage your finances.

• No required minimum balance
• No transaction limits
• Minimum opening deposit of $50

Guaranty Classic Checking
Traditional checking with check images provided in monthly statements.

• $500 required minimum balance to avoid monthly service charges
• $5 monthly service charge if the daily minimum balance falls below $500
• No transaction limits
• Check images provided monthly
• Minimum opening deposit of $100
• Qualify for a monthly service charge exemption with a $5,000 total deposit relationship

Guaranty Checking Plus
The convenience of checking with the added benefit of earning interest.

• $1,000 minimum balance to earn interest and avoid monthly service charges
• $7 monthly service charge if minimum balance falls below $1,000
• No transaction limits
• Check images included with monthly statement
• Minimum opening deposit of $100
• Qualify for a monthly service charge exemption with a $5,000 total deposit relationship

Guaranty Gold Checking
With age comes the benefit of an interest bearing checking with no minimums or limits. This account is for our customers that are 55 and better.

• No required minimum balance
• No transaction limits
• Interest earned on days a balance of at least $1,000 is maintained
• Check images included with monthly statement
• Free Gold Club checks or a discount on other checks ordered
• Free notary service
• Free stop payments (limit one per month)
• Free cashier’s checks (limit three per month)
• Minimum opening deposit of $100

Money Market Accounts
Keep your funds liquid while still earning market interest rates. Easy account access with writing privileges.

• $1,000 minimum balance to earn interest and avoid monthly service charges
• $10 service charge if daily minimum balance falls below $1,000
• Transaction limitations apply

Savings Accounts
Statement savings provides a building block for a strong financial future. Automatic transfers from your checking can be established to make saving even easier.

• $50 required minimum balance
• Withdrawal limitations apply

Individual Retirement Accounts
Prepare for your retirement years with the safety and flexibility of FDIC insured Certificates of Deposit and Savings Accounts.

Traditional IRA
Build retirement assets by deferring taxes until retirement, when you will be in a lower bracket.

Roth IRA
Earnings and contributions may be non-taxable when you reach retirement age.

Rollover IRA
Avoid taxation on funds that were disbursed from a tax-qualified retirement plan by making a rollover into an IRA.

Contact a Personal Banker for more information about your options and the types of retirement accounts that we offer.

Certificates of Deposit
The traditional choice for stable, risk free investing. Our wide array of maturities and competitive rates help you with short-term objectives and long-range goals.

• Flexible maturities
• Interest compounds quarterly
• All certificates automatically renew
• Fixed rate for the term of the certificate
• $500 required minimum deposit for most CDs

Contact a Personal Banker for our current CD rates:

Main Office
(304)529-7900

Pea Ridge Office
(304)733-7900

Hamlin Office
(304)824-6900

Mortgage Loans
Whether you are purchasing, refinancing or building a new home we have a mortgage loan that is right for you. Guaranty Bank’s professional staff offers expert assistance with competitive loan packages to help you get the home of your dreams.

• Quick approval process
• Low to no down payment options
• Competitive interest rates
• Fixed and variable rates
• Affordable closing costs
• Flexible repayment terms

Call (304)529-7900 for current rates and application information.

Home Equity Lines of Credit
With a Guaranty Bank Home Equity Line of Credit you can borrow and repay principal at your discretion, allowing you better control of your budget. Allow the equity in your home to work for you.

• Access by check or online advances to checking
• Competitive interest rates
• No closing costs
• Flexible payment terms
• Interest may be deductible for income tax purposes (check with your tax advisor)

Home Improvement Loans
Let us help you finance your home improvement needs.

• Competitive Interest Rates
• Flexible repayment terms

Auto Loans
Whether you are purchasing a new or used vehicle we have an auto loan that will meet your needs.

• Competitive interest rates
• Flexible repayment terms
• Credit life and disability insurance available
• Have your payment automatically debited from your Guaranty checking account and receive a discounted loan rate

Recreational Vehicle and Marine Loans
Need a little rest and relaxation? We provide financing for the purchase of travel trailers, motor homes, boats and motorcycles.

• Competitive interest rates
• Extended repayment terms for larger loans
• Credit life insurance available

Have your payment automatically debited from your Guaranty checking account and receive a discounted loan rate