Online Account Opening

Yes, if you want to add a co\-owner to the account, select "Add Applicant" instead of "Continue" on the Employment Information page. Note: All owners must be at least 18 years old to open an account online. To open an account for a minor, visit us in person.

Not at this time. Please visit us in person to open an account.

We use your mobile number to help verify your identity; therefore, you cannot open an account online and will need to visit us in person to open an account.

Enrolling in Online Banking is easy! Simply click the Enroll Now link that is found below to begin.

**Step 1**

This will bring you to a new page where you will select if you are needing to enroll for a business account or a personal account.

Once you have selected your enrollment type, you will be brought to a page that has our disclosures available for you to read and agree to.

You will need to select I Agree in order to move forward, however, there is also an option for you to print the disclosure if needed.

**Step 2**

Once you have agreed to the disclosure, you must acknowledge that you do currently have an account with Guaranty Bank and Trust.

**Step 3**

You will then be brought to a specific set of disclosures for Internet Banking that you will need to agree to. Again, you can also print the disclosures if you would like to.

**Step 4**

Once you have completed this, you will come to a screen to fill out your personal information and set your access ID, password and security questions.

**Step 5**

Once you have completed the form, you will select the I'm not a robot icon and then select the continue option.

As long as the information you input matches our records, you will be granted immediate access. If you have any issues with the enrollment being completed, you can contact a representative at (888) 572-9881 who will be able to assist you or review the application that you have submitted.

*Business enrollment customers will be given a page to print, sign and return to us to guarantee proper authorization has approved the online banking request.*

There are two ways to fund your new account during the online account opening process:

  1. Electronic funds transfer from an existing account with us or another financial institution using your account and routing number.
  2. With a debit card.
  • If using IE, recommend they use a different browser such as Chrome or Firefox.
  • Ensure they are using the most current IOS if using an Apple device (14.0.1 right now).
  • Have the customer clear their browser history: cache and cookies (probably need instructions they can use to instruct the customer how to do this for the various browsers).

Please contact us at [email protected] or 888.572.9881.

The popup can be dismissed and will not block the user's flow, however, not switching to mobile site may lead to a less effective UI experience.

Steps to follow if the popup comes up -

  1. Dismiss the popup by either tapping on "OK" button or close button.
  2. In the URL bar, tap on the setting's panel which is denoted by the icon "aA".
  3. From the dropdown, select the "Request Mobile Site" option. This will cause the application to reload. The user can proceed after this.

You can continue the account opening process by closing (X) the pop-up dialog box; however, when we receive your application, you will be contacted by a bank representative to provide a copy of your ID using a different method.

To electronically sign your accounting documents, you must consent to e-sign; therefore, you can not open an account online without consenting to e-sign.

Your Debit Card is usually placed in the mail within one (1) business day after you open your account is opened. It can take 5 to 10 business days for your Debit Card to arrive at your home address.

The rates are displayed on the account Truth In Savings Disclosure in the Terms & Conditions section of the application process.

You can contact us by email at [email protected]; by phone at 888.572.9881, or in-person at any of our convenient locations.

Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account.

You are asked to answer security questions to help ensure you own the account. This additional layer of security protects you against fraudulent attempts to withdraw money.

Disclosures contain the important terms and conditions that apply to your new account. Reviewing and accepting disclosures ensures that you are informed about how we will manage your new account.