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4.00% Reward Checking Account at Guaranty Bank and Trust in MS - Local Only

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Guaranty Bank (MS)
Guaranty Bank and Trust is offering a high-yield reward checking account called High Interest (HIP) Checking. It has the following rates and features if certain monthly requirements are met:
  • 4.00% APY on balances up to $25,000
  • 1.00% on portion of balance over $25,000
  • 0.10% base rate if requirements are not met
  • ATM fee refunds up to $15 per month
The monthly requirements include:
  • 12 debit card purchases
  • 1 direct deposit, draft or internet bill payment
  • Access Online Banking
  • Receive e-statements
Additional features of the account regardless of the monthly requirements include:
  • $100 minimum initial deposit
  • No Minimum Balance Requirement
  • No Monthly Maintenance Fee
  • Free Bill Pay
It appears that a branch visit is required to open an account. Branches are located in the Mississippi cities of Belzoni, Cleveland, Hernando, Batesville, Indianola, Senatobia, Vicksburg, Hollandale and Greenville.

The bank's ratings for safety and soundness are fair: 3½ stars (good) at BauerFinancial (based on 9/30/09 data) and 3 stars (performing) at Bankrate.com (based on 6/30/09 data). The bank has been a FDIC member since 1943 (FDIC Certificate # 15953).

Other Reward Checking Accounts

To find reward checking accounts in other areas of the nation, please refer to the reward checking section of DepositAccounts.com. To learn more about reward checking, please refer to this reward checking overview.
  Tags: Guaranty Bank (MS), Mississippi, checking account, reward checking account

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