General Questions

Yes, at Guaranty, your deposits are covered by the FDIC for up to $250,000 per depositor. Learn more about FDIC insurance.

Guaranty Bank & Trust does not charge a fee for account transfers made through online banking or our mobile app.

Guaranty Bank & Trust does from time to time sell repossessed or foreclosed property. Please contact us at (888) 572-9881 and asked for Donna Hughes.

Guaranty does use Chexsystem when opening deposit accounts.

ChexSystems is a consumer-reporting agency that gathers information about problems you've had with checking accounts. ChexSystems reports include, but aren't limited to, account misuse or fraudulent activity that has occurred within the previous five years.

Yes. We have some rules and restrictions on States and Countries. You may get a potential denial if you go out of town. To prevent getting denied while out of town, here are a few steps for a travel Notice.

You will need to either call us at 1-888-572-9881, go into a location or send a message through Online Banking. You should state, all the places you will be going to, the dates of travel and your mode of transportation.

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You will need to contact the agency that sent the freeze. The freeze can be released when the agency sends a release request to the bank. You may be required to pay what is owed to the agency before we release the hold.

Guaranty Bancshares, Inc. is a bank holding company that conducts banking activities through its wholly-owned subsidiary, Guaranty Bank & Trust, N.A. As one of the oldest regional community banks in Texas, Guaranty Bank & Trust provides its customers with a full array of relationship-driven commercial and consumer banking products and services, as well as mortgage, trust, and wealth management products and services that are tailored to meet the needs of small and medium-sized businesses, professionals, and individuals.

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For more information about these accounts please contact us at (888) 572-9881 or visit your nearest location.

The bank has partnered with Deluxe to order checks and deposit slips. Simply click this link to be redirected to the Deluxe website. You can reorder checks by contacting your location directly, contacting our Customer Care Center at (888) 572-9881 or while logged into your online banking via the website. If you choose to reorder checks via online banking, you will find a Reorder Checks under the Quick Links found within our All Services and Settings in online banking. This will redirect you to the Deluxe website, where we order our customer checks from.

*If you have not had checks on your account before, or if your address has changed between your last check order and your check reorder, you will need to contact us via phone to place a check reorder.*

Scheduling an appointment is easy, just complete this simple form and we will be in touch with you to set up your appointment.

Guaranty Bank & Trust is part of the Allpoint ATM network which gives you access to surcharge-free ATMs worldwide. Click here to find an Allpoint ATM near you.

We do authorize and pay overdrafts for the following types of transactions:

  • Checks and other transactions made using your checking account number
  • Automatic bill payments

We do not authorize and pay overdrafts for the following types of transactions unless you ask us to:

  • ATM transactions
  • Everyday debit card transactions

We pay overdrafts at our discretion, which means we do not guarantee that we will always authorize and pay any type of transaction.

If we do not authorize and pay an overdraft, your transaction will be declined.

Our drive-thru hours vary by location please visit your nearest locations page for the most up to date information.

Under our standard overdraft practices:

  • The bank will not charge you a fee if the item(s) that are paid result in your account being overdrawn between $0.01 and $10.00 at the end of the day.
  • The bank will charge you a fee of $14.50 each time we pay an item drawn against non-sufficient funds when the amount of the item is less than $20.00 and is paid within your designated overdraft limit.
  • The bank will charge you a fee of $29.00 for all other items paid or returned when drawn against non-sufficient funds.
  • The maximum daily amount of fees the bank will charge you for overdrawing your account is $145.00

If your account is opted-in, you will be able to withdrawal your account into the negative up to your overdraft limit. If your account is not opted-in, your transaction will not be approved and you will not be able to withdraw more funds than you have available.

An overdraft occurs when you do not have enough money in your account to cover a transaction, but we pay it anyway. We can cover your overdrafts in two different ways:

  1. We have standard overdraft practices that come with your account
  2. We also offer overdraft protection plans, such as a link to a savings account, which may be less expensive than our standard overdraft practices.

To learn more, ask us about these plans.

Our routing number is 1 1 1 9 1 5 3 2 7.

Swift Code is used to identify a specific bank during an international transaction. It identifies the country, bank, and branch where the recipient's account is held. Not all financial institutions utilize a Swift code. Guaranty Bank & Trust does not have a Swift Code.

Established in 1913, Guaranty Bank & Trust is one of the oldest and most respected banks in Texas. We have achieved this success by providing the communities we serve with a different kind of bank. One that believes smart banking is about investing in people, not just credit scores; succeeding with the community, not at its expense; and having a plan for your growth, not just our own.

Guaranty Bank & Trust does not charge a fee for using any ATM nationwide. Usage Fees may be charged by the institution that owns the ATM.