Business Checking

Business Checking Comparison

	Regular Business	Business Link	Business Checking with Interest	Non-Profit
Minimum Opening Balance	$100	$100	$5000	$100
Earns Interest
Telephone Banking 24-Hour Voice Response
E Statements (Electronic Statements)
Basic Business Online Banking
Premier Business Online Banking
ACH Manager(Add-on)
	Learn More	Learn More	Learn More	Learn More

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Regular Business Checking

For sole proprietorship, partnerships, and corporations.

With Business Checking, your monthly service charge is calculated on checks and debits paid, checks deposited and maintenance charge.

• Minimum opening balance is $100
• Checks/Debits:          $0.10 per item
• Checks Deposited:    $0.10 per item
• Maintenance charge: $10
• Telephone Banking 24-Hour Voice Response: No charge
• E Statements (Electronic Statements – optional): No charge
• Basic Business Online Banking – Apply Today
• Premier Business Online Banking – Apply Today
• Billpay – Available with Premier Business Online – Apply Today
• ACH Manager – Apply Today

Additional cash order fees may apply.  Earnings allowance credited against any service charges assessed (credit is based on 1% above our Regular Savings Rate).

Interest rates are variable. The bank may, at its discretion, change an interest rate on savings account.

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Business Link Checking

Business Link Checking is just the right account for building a relationship with Guaranty Bank.

• Minimum opening balance is $100
• Maintain an average balance of $5,000 or more in related business checking and savings with Guaranty Bank: No charge
• A service charge if balance requirement is not maintained: $10
• 300 deposited items/debits per cycle: No charge
• Over 300 items/debits per cycle: $0.20 per item
• Telephone Banking 24-Hour Voice Response: No charge
• E Statements (Electronic Statements – optional): No charge
• Basic Business Online Banking – Apply Today
• Premier Business Online Banking – Apply Today
• Billpay – Available with Premier Business Online – Apply Today
• ACH Manager – Apply Today

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Business Checking With Interest

This account is designed to meet the needs of your business and earns an attractive rate of interest. This account is available for sole proprietorships and certain non-profit organizations.

• Minimum opening balance is $5,000
• Interest is compounded daily and credited monthly on the statement date
• Interest paid on balances above $5,000
• Each month your account is charged the following:
  • Checks/Debits:            $0.15 per item
  • Checks Deposited:       $0.15 per item
  • Maintenance Charge: $10
• Telephone Banking 24-Hour Voice Response: No charge
• E Statements (Electronic Statements – optional): No charge
• Basic Business Online Banking – Apply Today
• Premier Business Online Banking – Apply Today
• Billpay – Available with Premier Business Online – Apply Today
• ACH Manager – Apply Today

*Interest rates are variable. The Bank may, at its discretion, change the interest rate on the account

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Non Profit Organizations

• Minimum opening balance is $100
• Monthly maintenance fee calculated on minimum balance:
  • $0.00 – $999.99:   $5
  • $1,000 or above – No charge

• Telephone Banking 24-Hour Voice Response: No charge
• E Statements (Electronic Statements – optional): No charge
• Basic Business Online Banking – Apply Today
• Premier Business Online Banking – Apply Today
• Billpay – Available with Premier Business Online – Apply Today
• ACH Manager – Apply Today

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Information technology and high-speed internet are great enablers of small business success, but with the benefits comes the need to guard against growing cyber threats. As larger companies take steps to secure their systems, less secure small businesses are easier targets for cyber criminals. The FCC offers a Small Biz Cyber Planner 2.0, an online resource to help small businesses create customized cybersecurity plans.

Have you checked out this online cyberplanner for small business? https://www.fcc.gov/cyberplanner

What is Corporate Account Takeover? Click here to learn more.