Guaranty Bank Essential Checking $300 Bonus

1. 1

   Open a checking account

   Open a new Guaranty Bank consumer checking account between June 1 and August 31, 2026. Essential Checking takes a $50 minimum opening deposit and has no monthly service charge. BankOn opens with $25.

2. 2

   One ACH direct deposit or direct debit

   Have at least one direct deposit or direct debit post and settle through the ACH network within 60 days of opening. There is no dollar threshold. A car payment, mortgage, rent payment, or another household bill paid by ACH qualifies. Person-to-person and account-to-account payments such as Zelle, Venmo, and Cash App do not count.

3. 3

   One debit card purchase

   Make at least one debit card purchase that posts and settles within 60 days of opening. PIN, signature, contactless, and mobile wallet purchases all count. ATM transactions do not.

4. 4

   Enroll in e-statements

   Enroll in Personal Online Banking with a valid email address and sign up to receive your monthly statement electronically within 60 days of opening. This also avoids the $2 to $3 paper statement fee.

The $300 credit is applied to the account within 30 calendar days of meeting the requirements. The account has to be open at least 30 days and still open with a positive balance when the bonus is awarded.

Account Details

Eligibility

Tips & Gotchas

• →This is about as light as a $300 bonus gets. One ACH transaction of any size, one debit purchase, and e-statements.
• →A direct debit counts, so an existing rent, car, or utility payment you move to the new account satisfies the ACH requirement without any direct deposit at all.
• →Open by August 31, 2026, but do not rush the requirements. The 60-day clock starts when your account opens, not at the deadline.
• →Pick Essential Checking if you want the simple path. It opens with $50, has no monthly service charge, and no minimum balance.
• →Accounts opened online default to the $300 cash credit. In a branch you can pick a Yeti cooler, Solo Stove, or Ninja slushie maker instead, and an uncollected gift converts back to $300 after 30 days.
• →Closing within 90 days costs $20 regardless of whether you earned the bonus.
• →Guaranty Bank does not publish a state list, but its application says accounts are not available outside its market area, and all 13 of its offices are in Missouri.

Can You Earn This Bonus Again?

Fine Print

Earn a bonus or gift when you open a new Guaranty Bank consumer checking account between June 1, 2026 and August 31, 2026, subject to approval, and meet all of the following within 60 calendar days of account opening: open with the required minimum opening deposit (ranges from $25 to $50); have at least one direct deposit or direct debit through the ACH network post and settle; have at least one debit card transaction post and settle; and enroll to receive monthly statements electronically. The account must be open at least 30 calendar days and remain open with a positive balance when the bonus is awarded. New clients cannot have closed a Guaranty Bank consumer checking account in the previous 12 months. Current consumer checking accountholders, business accounts, the Empower Youth Checking account, and bank employees are not eligible. Anyone who previously received a new-account bonus is not eligible. One bonus per customer per account, paid to the primary owner. An early closing fee of $20 applies if the account is closed within 90 calendar days of opening, regardless of bonus qualification. Paper statement fee of $2 to $3 applies if you do not take e-statements.

Taxable income · Reported on 1099-INT

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