About Austin
Managing your account shouldn't require a finance degree. At Guaranty Bank & Trust, we make banking easy. We know there's no such thing as a one-size-fits-all account, so we make banking personalized for you.
How do I select a checking account when there are so many options out there, you ask? It becomes easier to choose a checking account if you consider the following four factors:
CHOICE CHECKING
Bank your way with Choice Checking. Designed to let you bank whenever, however, and wherever you want.
Account Details:
- Minimum Opening Balance of $50
- Unlimited Check Writing
- Free Online Banking
- Free BillPay
- Free Mobile Banking1
- Free ATM transactions2
- Free Mastercard® Debit Card with Mobile Payments and CardValet®
- Free 24-Hour Phone Plus
- 3" x 5" Safe Deposit Rental free for first year when subsequent years are set up for automatic draft (subject to availability)
- Free Coin Counting (subject to availability)
- Free Notary Service
How much it costs:
No monthly service charge if you maintain a $500.00 daily balance in your account. If the daily balance in your account drops below $500.00 on any day during the statement cycle, a $5.00 monthly service charge will be assessed. However, the service charge can be eliminated by signing up for E-statements and electing to receive your Choice Checking statements electronically through online banking.
Even though the money in your account is yours, there could be costs associated with some types of checking accounts in the form of fees.
Comparing fees between banks or types of checking accounts isn’t always straightforward, says Jennifer Jackson, a blogger at ADLT 101, a website that aims to help students and young adults transition into adulthood. Jackson says many of her clients aren’t even aware their bank is charging fees. “A person may have opened the account with enough money to avoid maintenance or minimum balance fees, but when their balance drops, they don’t notice the bank starts charging fees,” she says.