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The average person without a bank account spends nearly 5% of their net income on unnecessary fees at alternative financial institutions, and still doesn’t have access to all the money-saving features of a mainstream bank. Don’t spend more than you have to, take advantage of our Second Chance Checking Account instead.

  • Safe & secure account to store your earnings and begin saving
  • Instant-issue debit card
  • Free access to 37,000+ nationwide MoneyPass® ATMs
  • Online banking & mobile banking
  • Online bill pay
  • Free eStatement
  • 24/7 telephone banking
  • Live operators and local customer service
  • $25 minimum deposit to open
  • $5 monthly service charge
  • No inactivity fees

Guaranty Bank Second Chance Checking is not a savings or interest checking account. Customers will not earn interest on their Second Chance Checking accounts. Customers will not have access to printed checks or Elite account benefits. The account is not eligible for overdraft protection. In the event of overdraft or insufficient funds checks/ACH will be returned unpaid. Monthly $5 service charge. Monthly paper statement fee $2, waived with eStatement enrollment; $2.50 foreign ATM access fee. Guaranty Bank reserves the right to modify this program at any time.

Second Chance Checking is designed for customers of Guaranty Bank who do not pass ChexSystems and do not have account abuse or fraud noted in the ChexSystems records. Customers who maintain their Second Chance Checking account for more than 12 months with fewer than three instances of overdrafting are eligible to request moving to a different account.