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The economic impact of the novel coronavirus COVID-19 has been widespread. Here you'll find additional resources for banking and business customers to help navigate these unchartered waters.


Guaranty Bank is currently operating with drive-thru only service at all 16 of its full-service banking centers. We are encouraging customers to do as much banking as possible with our anywhere banking tools including online banking, the mobile app for iPhone and Android, video banking, contactless payment through the mobile wallet on your smartphone, and eStatements.

Regardless of the bank's operating condition, your money is insured by the FDIC. Deposits up to $250,000 will continue to be covered, and since 1933 no depositor has ever lost a penny of FDIC-insured funds. The FDIC provides an online deposit insurance estimator for checking accounts, savings accounts, money markets and CD's on its website. The FDIC has also provided a document with frequently asked questions for banking customers which you can view here.

For information on the Economic Impact payments please visit the IRS website here.

For more information please contact our Service Center toll-free at 1.833.875.2492 or use the chat feature on our website.


Both Missouri and Kansas have declared the COVID-19 outbreak a disaster, triggering financial assistance programs administered by the Small Business Assocation and coordinated through financial institutions. If your insurance, and funding from FEMA, doesn't fully cover the disaster assistance you need, you can use a disaster loan from the SBA for things like:

  • Payroll
  • Fixed debts
  • Accounts payable
  • Other bills

The disaster declaration makes loans available statewide to small businesses and private, non-profit organizations to help alleviate econonic injury caused by COVID-19. This will apply to current and future disaster assistance declarations related to the coronavirus. SBA's Economic Injury Disaster Loans offer up to $2 million in assistance and can provide vital economic support to small businesses to help overcome the temporary loss of revenue they are experiencing.

Paycheck Protection Program Information

As an SBA Preferred Lender, Guaranty Bank stands ready to help local small businesses with this program. The Paycheck Protection Program is an SBA loan that helps businesses keep their workforce employed during the Coronavirus (COVID-19) crisis. It's designed to provide a direct incentive for small businesses to keep their workers on the payroll. The SBA will forgive loans if all employees are kept on the payroll for eight weeks and the money is used for payroll, rent, mortgage interest, or utilities.

This program is for any small business with less than 500 employees (including sole proprietorships, independent contractors and self-employed persons), private non-profit organization or 501(c)(19) veterans organizations affected by the COVID-19 pandemic. Businesses in certain industries may have more than 500 employees if they meet the SBA’s size standards for those industries. Small businesses in the hospitality and food industry with more than one location could also be eligible at the store and location level if the store employs less than 500 workers. This means each store location could be eligible.

Be prepared to take advantage of the Paycheck Protection Program with these documents. Before submitting your application online, please reference the checklist below to make sure you have all of the necessary documents ready.



NOTE: Attachments on the linked application are limited to 25 total pages and 5 MB.

As an SBA Preferred Lender, Guaranty Bank can help begin processing some loan applications as soon as April 3. Please feel free to send us a secure email here if you would like a member of our Service Center to contact you. Find more information from the SBA on disaster loan assistance here and the Paycheck Protection Program here.

For assistance call us toll-free at 1.833.875.2492 or use the chat feature on this page.


The Springfield-Greene County Health Department provides extensive local updates on the coronavirus outbreak on its website. The site offers guidance for dealing with the pandemic for specific groups including employers, employees, parents, and various business types.

The Missouri Department of Health and Senior Services provides extensive updates from across the state as well as resources for travelers, communities and a 24-hour hotline at 877-435-8411.

The Small Business Development Center at Missouri State University has created a landing page with information for business owners including dealing with disruption and creating disaster preparedness plans.