I've been charged several 'Returned Mail' fees when my address has been correct and updated for months. The bank refused to reverse a few of those fees because I didn't catch them within 90 days on an account I rarely use.
When travelling abroad I notified the bank and they still froze my account. It took international phone calls and several emails to have the situation rectified...and almost a week of travel time scrambling for money. This cost me lots of additional credit card fees that I wouldn't have had to incur.
On more than one occasion in took 2-3 attempts to update my contact information or make changes to my account.
I have banked with this bank for close to 8 years now. Within the last year I have had nothing but issues with this bank.
They charge overdraft/NSF fees even when funds are shown the account. They state (when you call) that there backend systems show it is negative. They are never able to send me this data or confirm it.
This most recent time I was charged an NSF fee that set me over to $39, I rushed in and but money in the account to cover the fee. The teller told me that should put my account in the positive. The next morning my account was negative $108. And the data on my Transaction slip was different than the online banking, and it stated I got another fee 3 days before, which was not there yesterday. That is tampering with bank data, and it has to be illegal.
I would not send my worst enemy to this bank. Please someone shut them down.
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 overdraft 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. Sta 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.