Guaranty Bank

Headquarters: Springfield, Missouri
Charter: Bank
Assets: $2.4B
Fed district: St. Louis

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

Source: its fee schedule, read Oct 17, 2026.

Explore Hamilton View published fees

Fees against the market

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

Monthly Maintenance
Compared at $7.50, the middle of its prices
Guaranty Bank: $5 to $10
Guaranty Bank: $5 to $10
U.S. median: no median
Overdraft (OD)
Guaranty Bank: $35
Guaranty Bank: $35
U.S. median: no median
Non-Network ATM
Guaranty Bank: $2.50
Guaranty Bank: $2.50
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 17, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Missouri, the St. Louis 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).
Missouri: Banks and credit unions headquartered in Missouri that publish the fee.
St. Louis district: Banks and credit unions headquartered in the St. Louis 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.

Hey Hamilton,What deserves a closer look?

Bring fees, filings and market context together.

Explore Hamilton Order a Competitive Fee Position Report from $300

Published fee schedule

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

Account Maintenance

Monthly service charge$10
per month
Monthly service charge$5
per month
Early Closure fee (within first 90 days)$20
Dormant Fee Checking$10
Dormant Fee Savings/Money Market/Health Savings$10
Account Balancing (per hour-one hour minimum)$20
Not compared: Charged per hour; comparison unavailable
per hour
Account Research (per hour-one hour minimum)$20
Not compared: Charged per hour; comparison unavailable
per hour
Monthly paper statement fee$2
per month
To avoid a monthly paper statement fee$3
per month
Returned Mail Fee$5

Overdraft & NSF

NSF: Overdraft Fee (item paid)$35

ATM & Card

ATM Service Charge for Non Guaranty Bank ATM Inquiry$2.50
ATM Service Charge for Non Guaranty Bank ATM Withdrawal$2.50
ATM/Debit Card Replacement Fee$10
Expedited Debit Card Replacement$75

Wire Transfers

Outgoing Wire$30
Incoming Wire$15
Foreign Wire$55

Check Services

Official Checks$5
Stop Payment Fee (per item-electronic or check)$35
per item
Check Printing Charge (counter checks price for 4)$1

Digital & Electronic

Same Day ACH Origination Fee$20
Standard ACH Origination Fee$3

Cash & Deposit

Return Deposited Item Fee (deposited item returned)$8

Account Services

Notary Services (Non-Customers)$5
Drilling Fee/Replacement Key$100
Not compared: Box drilling or key fee
For Personal Checking Accounts Only: Safe Deposit Late fee$20
Not compared: Box drilling or key fee
Returned and Rejected Items: 3x10$40
Safe Deposit Box 10x10$80
Safe Deposit Box 16x10$100
Safe Deposit Box 3x5$25
Safe Deposit Box 5x10$60
Safe Deposit Box 5x5$35
Garnishments/Levy Fee$60
per item
Subpoenas/Summonses Appearance (per hour)$75
Not compared: Charged per hour; comparison unavailable
per hour · Subpoenas/Summonses Appearance (per hour) | $75.00
Deposit Verification Fee$10

Retirement & IRA

IRA Transfer Fee$50

Gift & Prepaid Cards

Deposits to Reloadable Prepaid Card$3
Gift Card$3.50
Reloadable Prepaid Card$5
Secondary Reloadable Prepaid Card (tied to primary)$2.50

Other Fees

BankOn Statement Copy (per statement)$2
Duplicate Statement Copy (per statement)$3
Photocopies (per page)$1
Not compared: Charged per page; comparison unavailable
per page

Fee	Amount	Basis	Note
Account Maintenance
Monthly service charge	$10	per month	None
Monthly service charge	$5	per month	None
Early Closure fee (within first 90 days)	$20	Not stated	None
Dormant Fee Checking	$10	Not stated	None
Dormant Fee Savings/Money Market/Health Savings	$10	Not stated	None
Account Balancing (per hour-one hour minimum)	$20Not compared: Charged per hour; comparison unavailable	per hour	None
Account Research (per hour-one hour minimum)	$20Not compared: Charged per hour; comparison unavailable	per hour	None
Monthly paper statement fee	$2	per month	None
To avoid a monthly paper statement fee	$3	per month	None
Returned Mail Fee	$5	Not stated	None
Overdraft & NSF
NSF: Overdraft Fee (item paid)	$35	Not stated	None
ATM & Card
ATM Service Charge for Non Guaranty Bank ATM Inquiry	$2.50	Not stated	None
ATM Service Charge for Non Guaranty Bank ATM Withdrawal	$2.50	Not stated	None
ATM/Debit Card Replacement Fee	$10	Not stated	None
Expedited Debit Card Replacement	$75	Not stated	None
Wire Transfers
Outgoing Wire	$30	Not stated	None
Incoming Wire	$15	Not stated	None
Foreign Wire	$55	Not stated	None
Check Services
Official Checks	$5	Not stated	None
Stop Payment Fee (per item-electronic or check)	$35	per item	None
Check Printing Charge (counter checks price for 4)	$1	Not stated	None
Digital & Electronic
Same Day ACH Origination Fee	$20	Not stated	None
Standard ACH Origination Fee	$3	Not stated	None
Cash & Deposit
Return Deposited Item Fee (deposited item returned)	$8	Not stated	None
Account Services
Notary Services (Non-Customers)	$5	Not stated	None
Drilling Fee/Replacement Key	$100Not compared: Box drilling or key fee	Not stated	None
For Personal Checking Accounts Only: Safe Deposit Late fee	$20Not compared: Box drilling or key fee	Not stated	None
Returned and Rejected Items: 3x10	$40	Not stated	None
Safe Deposit Box 10x10	$80	Not stated	None
Safe Deposit Box 16x10	$100	Not stated	None
Safe Deposit Box 3x5	$25	Not stated	None
Safe Deposit Box 5x10	$60	Not stated	None
Safe Deposit Box 5x5	$35	Not stated	None
Garnishments/Levy Fee	$60	per item	None
Subpoenas/Summonses Appearance (per hour)	$75Not compared: Charged per hour; comparison unavailable	per hour	Subpoenas/Summonses Appearance (per hour) \| $75.00
Deposit Verification Fee	$10	Not stated	None
Retirement & IRA
IRA Transfer Fee	$50	Not stated	None
Gift & Prepaid Cards
Deposits to Reloadable Prepaid Card	$3	Not stated	None
Gift Card	$3.50	Not stated	None
Reloadable Prepaid Card	$5	Not stated	None
Secondary Reloadable Prepaid Card (tied to primary)	$2.50	Not stated	None
Other Fees
BankOn Statement Copy (per statement)	$2	Not stated	None
Duplicate Statement Copy (per statement)	$3	Not stated	None
Photocopies (per page)	$1Not compared: Charged per page; comparison unavailable	per page	None

Correct a fee source

Oct 17, 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.

Fee change alerts

Get an email when Guaranty Bank's nsf / returned item changes in our data

We check once a day and send one email covering every change.