Guaranty Advantage Free Checking Account | Springfield, MO – Nixa, MO – Ozark, MO | Guaranty Bank

With our signature high-interest free checking account you get free access to 80+ local-area ATMs plus $5 in monthly ATM fee refunds. Plus, you earn extra money on each signature-based Visa® debit card transaction.

  • 0.75% APY* on balances up to $15,000
  • 0.10% APY* on balances over $15,000
  • 0.01% APY* if qualifications are not met
  • Free access to 80+ local and 24,000+ nationwide TransFund® and MoneyPass® ATMs
  • ATM fee refunds (up to $5/month)
  • Earn 5¢ on each signature-based Visa® debit card transaction**
  • No monthly service charge
  • No minimum balance requirement
  • Free online banking
  • Free eStatements
  • Free bill pay with eStatement enrollment; $4.25 per month without enrollment
  • Free mobile banking
  • Free Visa® debit card
  • $50 minimum deposit to open
  • Add BaZing Benefits to your Guaranty Advantage account for just $4/month!

Qualifying for rewards is very easy. Simply do the following each monthly qualification cycle:

  • Have at least 15 point of sale debit card purchases post and clear***
  • Use online banking and eStatements
  • Have at least 1 ACH direct deposit

If you don't meet the qualifications, don't worry. There is no penalty and you still have a free checking account that earns our base rate of interest. Plus, you can get back to earning huge interest and ATM refunds the very next month.

*Annual Percentage Yield (APY) accurate as of November 7, 2016. Requirements must be met to earn 0.75% APY and ATM fee refunds. Earn 0.10% APY on balances over $15,000. Earn 0.01% on entire monthly balance if requirements are not met. Fees could reduce earnings.

**Earn 5¢ on each signature-based Visa debit card transaction that is $1.00 or more (PIN & ATM transactions excluded). Not available with Nixa, Ozark or BCFO community support specialty cards.

***ATM-processed transactions do not count toward qualifying debit card transactions.