See if you qualify for Easy Advance. 

• You must have a personal, individual or joint Checking Account at Guaranty Bank that is not a custodial, trust, beneficiary or business account.
• Account owner(s) on the checking account must be at least 18 years of age.
• Your checking account must have been open for at least 120 days if your account does not have direct deposit, or for at least 30 days if your account has direct deposit.*
• You must have deposits into your checking account totaling $500 or more in each of the previous 2 months (a month is defined as a 35-day period). In order for a deposit to be included in that total, it must be $75 or more and be in the account the day before you apply for an advance (ATM deposits and account transfers do not qualify).
• You may not have an unpaid Easy Advance, nor may you be part of our Fresh Start program.
• Your checking account may not be frozen or subject to garnishment, a bankruptcy order or other legal process.
• Your checking account may not be overdrawn for 7 or more consecutive business days, and if it has, you will not be eligible for an Easy Advance until the overdraft has been repaid in full and you have maintained a positive balance for at least 6 consecutive business days.
• If you have received 8 consecutive Easy Advances, you will not be eligible for an additional advance until 35 days after the 8th consecutive Easy Advance has been repaid in full.**
• You cannot exceed 36 Easy Advances in a calendar year (Jan 1 – Dec 31).
• Even if you may otherwise be eligible, you may not receive more than one Easy Advance within any four day period.

Click here for full Easy Advance Service Agreement.

*You have direct deposit if 3 electronic direct deposits of $75 or more have been made to your account during the 3 months immediately preceding your application for an advance. **Advances will be deemed "consecutive" unless, (1) two deposits^† of $100 or more have been made since repayment of the preceding Easy Advance in full, or (2) at least 35 days have passed between repayment of the preceding Easy Advance in full and approval of the following advance.
^†For direct deposit customers, the two deposits must be electronic direct deposits. See Easy Advance Service Agreement for additional terms and conditions.