Business Online Banking & Bill Pay
- No cost for business online banking or business bill payment
- Check balances, transfer funds, pay bills online, initiate ACH file processing, view check images, set up alerts and much more
- Distinct logins and user profiles with ability to customize user access
- Multifactor authentication (MFA) available at login for added security
- Integration with accounting software such as QuickBooks, QuickBooks Online
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Mobile Business Banking
- No cost, available in the App Store and Google Play
- Manage Your Accounts: check business account balances, view recent transactions, including check images, and transfer money between accounts
- Deposit Checks: deposit checks by snapping a picture of each check, and view deposit history in the app
- Review and Approve: approve transactions scheduled through Business Online, including fund transfers, ACH transfers and wire transfers, review and approve Positive Pay exceptions, and receive alerts when approvals are pending
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Remote Deposit Capture
- $50 per month, includes rental of the equipment, access to the online system, and unlimited support from our local team
- Deposit checks from the convenience of your office, any time that you like
- We provide the support internally
- We’ll get you set-up and help you out along the way
- Deposit multiple checks using a batch feed check scanner we provide
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ACH Origination & Online Wires
- Send out wires and ACH transaction from your online banking
- Ability to have individual limits and dual control approvals
- Automated notification system sends emails when transactions are generated for approval and once completed
- MFA required including token generated codes (hard or soft token)
- ACH Origination is $10 per month, $2.50 per batch/file submitted, and $0.13 per transaction
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Positive Pay – Check and/or ACH
- $50 per month for check Positive Pay and/or $50 per month for ACH Positive Pay
- Automated fraud detection tool that matches the account number, check number and dollar amount of each check presented for payment against a list of checks previously authorized and issued by the company.
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Business Debit Card
- No cost for our business Visa branded Debit Card
- Surcharge free access to thousands of MoneyPass® ATMs nationwide
- Download the free MoneyPass® ATM locator app or visit: moneypass.com
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Card Manager
- Protect your debit card by sending transaction alerts and define when, where and how your card is used
- Alerts for PIN and signature transactions can be set up to keep you informed of your debit card usage and help you quickly detect unauthorized or fraudulent activity
- Location-Based Alerts and Controls, Usage Alerts and Controls, and Card On/Off Setting are also available
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Nonprofit Credit Card
- We are proud to partner with Elan Financial Services to provide the CommUNITY nonprofit credit card
- No personal guarantees required
- Corporate billing and employee cards are available
- Both points and cash back card options are available
- EMV smart chip technology for added security
- Mobile purchasing capability for added convenience
- Separate expenses, manage cash-flow and track spending
CONNECT WITH A BANKER
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Merchant/Credit Card Processing Services
- Customized solutions to fit the scope and demands of your business
- Various turnkey payment solutions enable you to accept every type of payment and give your business the tools you need to succeed
- Loaner equipment is available for fundraising events or one-off processing needs
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Advantage Sweep
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Guaranty Financial Corporation has partnered with a network that provides additional FDIC insurance to our clients up to $30 million! Here is how it works:
- Client determines a daily target balance for the account.
- For deposits that exceed the target balance, FDIC insurance is borrowed from other well-capitalized banks that participate in the program.
- The sweep of funds occurs overnight; funds are deposited back to the PWB account the following business day.
- Funds are always protected by FDIC insurance and may earn a higher rate of interest than a standard account***.
- Interest is variable, subject to change and is credited to the account monthly; separate statement will be generated and delivered to client.
***Rate determined based on each individual client relationship.
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1. No service charge for first 50 checks and 20 deposits per month; $0.20 per check or deposit thereafter.
2. Non-MoneyPass® ATMs may impose an ATM surcharge.
3. Visa Debit Card: Transactional, inactivity, or lost/stolen card fees may apply.
4. Overdraft protection transfers in $100 increments; sufficient money market or savings balance must be maintained to cover checks or insufficient funds charges may apply.
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