Business Checking

Business Checking Comparison

	Commercial Checking	Business Link	Business Checking with Interest	Non-Profit
Minimum Opening Balance	$100	$100	$100	$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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Commercial Checking

For sole proprietorship, partnerships, and corporations, your monthly
service charge is calculated on checks, debits paid and checks
deposited. Per item charges are billed each statement cycle.

• Minimum opening balance is $100
• Checks/Debits:          $0.10 per item
• Checks Deposited:    $0.10 per item
• Monthly Service Charge: $10
• Telephone Banking – 24-Hour Voice Response: No charge
• Electronic Statements (e-Statements): Optional
• Basic Business Online Banking – Apply Today
• Premier Business Online Banking – Apply Today
• Billpay – Available with Premier Business Online – Apply Today
• Additional Business Online service available. Refer to Business Online.

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

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Business Link Checking

Business Link Checking is just the right account for building a relationship
with Guaranty Bank. Per item charges are billed each statement
cycle.

• Minimum Opening Deposit: $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
• Electronic Statements (e-Statements): Optional
• Basic Business Online Banking – Apply Today
• Premier Business Online Banking – Apply Today
• Billpay – Available with Premier Business Online – Apply Today
• Additional Business Online service available. Refer to Business Online.

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

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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 Deposit: $5,000
• 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
  • Service Charge: $10
• Telephone Banking – 24-Hour Voice Response: No charge
• Electronic Statements (e-Statements): Optional
• Basic Business Online Banking – Apply Today
• Premier Business Online Banking – Apply Today
• Billpay – Available with Premier Business Online – Apply Today
• Additional Business Online Service Available No charge (Refer to Business Online)
• Interest is compounded daily and credited monthly

*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 Deposit: $100
• Monthly Service Charge calculated on minimum balance:
  • $0.00 – $999.99:   $5
  • $1,000 or above – No charge

• Telephone Banking – 24-Hour Voice Response: No charge
• Electronic Statements (e-Statements): No charge
• Basic Business Online Banking – Apply Today
• Premier Business Online Banking – Apply Today
• Billpay – Available with Premier Business Online – Apply Today
• Additional Business Online Service Available No charge (Refer to Business Online)

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Online Resources

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.