Guaranty Bank and Trust Company

Headquarters: New Roads, Louisiana
Charter: Bank
Assets: $318.5M
Fed district: Atlanta

17 published fees; none has a market median to compare yet.

Source: its fee schedule, read Oct 26, 2026.

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Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Overdraft (OD)
Guaranty Bank and Trust Company: $35
Guaranty Bank and Trust Company: $35
U.S. median: no median
NSF / Returned Item
Guaranty Bank and Trust Company: $35
Guaranty Bank and Trust Company: $35
U.S. median: no median
Non-Network ATM
Guaranty Bank and Trust Company: $1.50
Guaranty Bank and Trust Company: $1.50
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 26, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Louisiana, the Atlanta district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
Louisiana: Banks and credit unions headquartered in Louisiana that publish the fee.
Atlanta district: Banks and credit unions headquartered in the Atlanta Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

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Published fee schedule

Amounts from Guaranty Bank and Trust Company’s own schedules, with a source for each figure.

Account Maintenance

Dormant Fee (per month if no activity for one year)$3
per month
Reconciling Customer Checkbooks (fee per hour)$25
Not compared: Charged per hour; comparison unavailable
per hour
Research (Minimum fee)$35
Paper Statement Fee (per statement)$5

Overdraft & NSF

Overdraft fee (each debit or check paid)$35
per item
Nonsufficient Funds (NSF item)$35

ATM & Card

Foreign ATM terminals (audience not stated, treated as personal)$1.50
per item
Foreign ATM transaction fee$1.50
per item
Debit Card or Card Replacement$10

Wire Transfers

Outgoing Domestic Wire Transfers$25
Incoming Domestic Wire Transfers$15
Outgoing International Wire Transfers$55

Check Services

Cashier’s checks$8
Stop Payment Charge$35
Stop Payment Charge (via Online Banking)$25
Copy charge per item$5
per item

Digital & Electronic

Consumer Bill PayNo charge

Cash & Deposit

Returned Item Charge$6
Night Depository (monthly fee) (billed annually)$3
Not compared: Monthly charge, not per item
per month

Account Services

10 x 10 1/2 box$120
3 x 10 1/2 box$55
5 x 10 1/2 box$70
Safe Deposit Box 3 x 5 (audience not stated, treated as personal)$35
Safe Deposit Box 5 x 5 (audience not stated, treated as personal)$40
Processing levies, garnishments, and other legal processes$100

Fee	Amount	Basis	Note
Account Maintenance
Dormant Fee (per month if no activity for one year)	$3	per month	None
Reconciling Customer Checkbooks (fee per hour)	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Research (Minimum fee)	$35	Not stated	None
Paper Statement Fee (per statement)	$5	Not stated	None
Overdraft & NSF
Overdraft fee (each debit or check paid)	$35	per item	None
Nonsufficient Funds (NSF item)	$35	Not stated	None
ATM & Card
Foreign ATM terminals (audience not stated, treated as personal)	$1.50	per item	None
Foreign ATM transaction fee	$1.50	per item	None
Debit Card or Card Replacement	$10	Not stated	None
Wire Transfers
Outgoing Domestic Wire Transfers	$25	Not stated	None
Incoming Domestic Wire Transfers	$15	Not stated	None
Outgoing International Wire Transfers	$55	Not stated	None
Check Services
Cashier’s checks	$8	Not stated	None
Stop Payment Charge	$35	Not stated	None
Stop Payment Charge (via Online Banking)	$25	Not stated	None
Copy charge per item	$5	per item	None
Digital & Electronic
Consumer Bill Pay	No charge	Not stated	None
Cash & Deposit
Returned Item Charge	$6	Not stated	None
Night Depository (monthly fee) (billed annually)	$3Not compared: Monthly charge, not per item	per month	None
Account Services
10 x 10 1/2 box	$120	Not stated	None
3 x 10 1/2 box	$55	Not stated	None
5 x 10 1/2 box	$70	Not stated	None
Safe Deposit Box 3 x 5 (audience not stated, treated as personal)	$35	Not stated	None
Safe Deposit Box 5 x 5 (audience not stated, treated as personal)	$40	Not stated	None
Processing levies, garnishments, and other legal processes	$100	Not stated	None

Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided

Correct a fee source

Oct 26, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

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