Guaranty Bank $300 Checking Account Bonus (2026) - Review & Requirements
Affiliate disclosure: Fat Stacks Academy may earn a commission if you open an account through this link, at no additional cost to you.
Overview
Guaranty Bank is currently offering a $300 checking bonus. The qualifying activity is 1 debit-card transactions. The eligible account has no monthly maintenance fee documented in the catalog.
Who This Checking Bonus Is Best For
Applicants who can complete the listed activity on time and who meet the bank's geographic and prior-customer restrictions.
How to Maximize This Bonus
Open a new Guaranty Bank consumer checking account between June 1 and August 31, 2026 with the minimum opening deposit for that account (between $25 and $50), then complete all three of these within 60 days of opening: have at least one direct deposit or direct debit through the ACH network post and settle, make at least one debit card purchase (ATM withdrawals do not count), and enroll in e-Statements through personal online banking with a valid email address. At account opening you choose either the $300 cash credit or a premium gift; accounts opened online automatically get the $300 credit. The bank requires a direct deposit for this bonus but does not state a minimum amount in the terms we have, so we cannot tell you how much to send. Treat any qualifying direct deposit as the requirement and confirm the amount with the bank before relying on it. Apply online. Allow approximately 30 days for the bonus to post after qualification. Keep the account open for at least 90 days.
Pros
Cons
How This Compares to Other Bonuses
Guaranty Bank's $300 offer is closest in headline value to PSECU's $300 checking bonus. Compare the direct-deposit requirement, geographic eligibility, fees, approval sensitivity, and payout timing, not only the advertised amount.
Frequently Asked Questions
What is the current Guaranty Bank checking bonus?
Guaranty Bank currently advertises $300. The principal requirement is 1 debit-card transactions.
Does the Guaranty Bank bonus require direct deposit?
No qualifying direct deposit is currently listed; complete the alternative activity shown in the official terms.
When should the Guaranty Bank bonus post?
The tracked estimate is about 30 days after you satisfy the requirements.
Full Requirements
Open a new Guaranty Bank consumer checking account between June 1 and August 31, 2026 with the minimum opening deposit for that account (between $25 and $50), then complete all three of these within 60 days of opening: have at least one direct deposit or direct debit through the ACH network post and settle, make at least one debit card purchase (ATM withdrawals do not count), and enroll in e-Statements through personal online banking with a valid email address. At account opening you choose either the $300 cash credit or a premium gift; accounts opened online automatically get the $300 credit. The bank requires a direct deposit for this bonus but does not state a minimum amount in the terms we have, so we cannot tell you how much to send. Treat any qualifying direct deposit as the requirement and confirm the amount with the bank before relying on it. Apply online.
Fees
Not stated. Choosing paper statements instead of e-Statements adds a $2 to $3 monthly fee depending on the account type.
ChexSystems & Credit Pull
ChexSystems / credit-pull policy not officially stated.
Eligibility
Guaranty Bank is a Missouri bank with branches in Springfield, Joplin, Nixa, Ozark, Carthage, Neosho and nearby towns. Only new Guaranty Bank consumer checking clients qualify, and you are ineligible if you closed a Guaranty Bank consumer checking account in the previous 12 months or have ever received a Guaranty new account bonus. Business accounts and Empower Youth Checking are excluded. The account must stay open at least 30 days and hold a positive balance when the reward is paid, and closing within 90 days of opening costs $20 whether or not you earned the bonus. The $300 credit posts within 30 calendar days of meeting the requirements. Gift option is branch pickup only and defaults back to the $300 credit if not collected within 30 days.
Apply
Open Account →Affiliate disclosure: Fat Stacks Academy may earn a commission if you open an account through this link, at no additional cost to you.
Sources (1)
We last checked this against the bank's page on August 14, 2026.
Historical Promotions
The current $300 is the highest we've tracked since June 2026.
Add this offer directly to your dashboard so you can track its requirements, deadline, and payout.
Stacks OS also tells you which bonus to do next for YOUR paycheck.
What actually counts as a direct deposit at 53 banks. Fidelity, Schwab, ACH pushes, all in one printable table, verified.
Comments (0)
Fat Stacks Academy may earn a commission when you open an account through links on this page, at no additional cost to you. Commissions do not influence our reviews — we verify offer terms directly with each bank before publishing and do not accept paid placement in our rankings. Bonus offers, requirements, and fees are determined by each financial institution and may change at any time. Always verify the current terms directly with the bank before applying. This content is for informational purposes only and does not constitute financial advice.