I dont know how anyone can call this place a bank. They do NO lending at all, infact they were warned by the FDIC to increase their cash from all the bad loans they created before they ceased lending (take a look at the gov't rating site). They also really try to push you into overdraft protection programs you have to pay a monthly fee for! If you don't sign up for one of those, you then get to hear about their advance program, like a pay day lending store, its real trashy. I think they prey on people that overdraft their accounts or have trouble getting accounts elsewhere. Last time I was in the bank, the teller told me she was so unhappy trying to push these programs on people, she had found a new job, luckily for me I had already found a new bank!

Be very careful if you make payments using your Guaranty Bank account or debit card information. Even if you opted out of their overdraft coverage they WILL NOT decline payments sending you into an overdaft situation, will charge you $37 each, and then send your account into a spiral for even more bounce fees. They are shysters just waiting to trap you by their terms. STAY FAR AWAY of Guaranty Bank no matter how convenient they or luring their promotions seem to be. Even their own staff are embarrassed by having to enforce the conniving shenanigans (legalized robbery) of their policies and terms.