About Guaranty Bank, WI

Guaranty Bank is a full service retail bank headquartered in Milwaukee, WI.
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Overall Rating

MyBankTracker rated Guaranty Bank, WI based on the following criteria that includes real customer reviews and bank fees, among others. Our bank report card is a proprietary rating system that highlights the financial health and stability of the bank.


MyBankTracker Rating

Customer Rating
Based on 15 Reviews
Financial Health
Based on Texas Ratio: Over 100
Bank Fees
vs. Average
Number of Locations
vs. Similar Institutions
Mobile Banking
Quality of Mobile Services

Locations & Hours

Guaranty Bank, WI Location Map
Guaranty Bank, WI Location Map
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Most Helpful Customer Reviews

mochamom's Profile Image

Reviewed by mochamom

Jul 22nd 2014

4 out of 5 marks

Check Hold Hell

I've had issues with Guaranty Bank's check hold policies for several years now. I frequently find that different branches seem to follow different rules, and I've learned that the branch inside WalMart is much mire customer friendly than the other branch in West Bend, on Main Street.

Several years ago, my husband and I withdrew a cashier's check from a credit union we have an account with. We brought it to the Main Street branch to deposit it. We were told that there would be a hold on the deposit, even though it was a cashier's check. What? As a former credit union manager, the idea that there would be a hold on a cashier's check was completely foreign to me. We went to the WalMart branch and explained the situation, and the teller explained that we could simply cash the check. Why this was not an option provided to us at the other branch, I'll never know.

I have frequently, over the 10+ years I've banked with them, experienced inconsistent check hold policies. Sometimes I deposit a check and they put a hold on it, and sometimes they don't (and I'm talking about payroll type checks.) Often, one branch (Main Street) will place a hold on the deposit and WalMart will not. Very recently I deposited one of these checks (payroll) and the Main Street branch put a hold on it. Because I took some cash back from the check, a hold was placed on my account that exceeded the balance. A debit transaction came through when the hold was in place, and while it cleared, it generated a $37 overdraft fee. I went to the WalMart branch to find out why the hold was placed this time, when it wasn't when I deposited a check from the same company two weeks ago. The branch manager told me that as such a long time customer, I should be subject to these check holds at all, and that not all branches follow the same policies. I've learned my lesson and will exclusively use the WalMart branch from now on.

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Auru's Profile Image

Reviewed by Auru

Dec 27th 2011

5 out of 5 marks

Great Banking Experience

Guaranty bank has great free checking. On the type of checking account i decided to open i get free checks for life with unlimited check writing!!! The type of checking account i opened also earns interest, gives me free bill pay, free visa check card, and all of this requires no minimum balance.

It is worth it to look into the different types of checking accounts guaranty bank has to offer because guaranty bank is a bank that truly understands what the words free checking really mean. I recommend going into the evanston illinois branch and talking to the assistant branch manager, rhoda frost. She will happily talk to you about the different account options. She is very helpful and patient.

Take advantage of truly free checking. Stop getting ripped off by banks that demand direct deposit and try to limit the number of checks you are allowed to write. Put a stop to high "account maintenance fees" that other banks charge. Guaranty bank is the bank that believes in putting the customer first.

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Banking Fees

Type Fee National average
Monthly Inactivity



Non-Sufficient Fund (Overdraft)



Stop Payment item



Return Deposit



Domestic Wire Transfer (Outbound)



Domestic Wire Transfer (Inbound)



Non-Bank ATM