CLEAR Coverage
Our plan for life's everyday financial ups and downs.
CLEAR Coverage is perfect for customers who are looking for a small safety net on their checking account with reduced overdraft fees. You can breathe easier knowing you'll be covered if a small balance mistake or unplanned expense puts your account a little under!
It's an optional add-on service for your checking account that provides the following benefits for a monthly service charge of $10:
- Perfect for customers looking for a small safety net on their account, with access to a $50 Grace Zone.
- The daily overdrawn balance fee is reduced to $10 in the Grace Zone.
- You get a $5 rebate if you do not have any daily overdrawn balance fees an entire statement period.
- See below for more details!
|
Grace Zone |
$50 |
|
Monthly service charge |
$10 |
|
Reduced daily overdrawn balance fee |
$10 per day overdrawn in Grace Zone* |
|
Monthly rebate if no daily overdrawn balance fees |
$5 |
*Paying overdrafts beyond the Grace Zone is not guaranteed. The daily overdrawn balance fee beyond the grace zone is $28.
How does CLEAR Coverage help you save?
|
Grace Zone daily overdrawn balance fee |
Daily overdrawn balance fee without CLEAR |
Grace Zone savings |
|
$10 |
$28 |
$18 per day overdrawn |
To learn more about CLEAR Coverage, visit your local Guaranty Bank branch, call 1-800-235-INFO (4636) or read the Service Agreement for full details!
Guaranty Bank offers financial solutions that benefit hard-working families and the communities where they live and work. With a helpful, knowledgeable and friendly staff, Guaranty Bank is there to help you achieve your financial goals. Whether it’s saving for the future or managing your day-to-day purchases, Guaranty Bank is there for you.
CLEAR Coverage is a service available for Guaranty Bank personal checking accounts. A monthly service fee applies. See the CLEAR Coverage Service Agreement here or from any branch for terms and conditions. The bank pays items in the Grace Zone in excess of your account balance (excluding automatic transfers between accounts and in branch teller processed transactions). A Negative Balance or Consecutive Day overdrawn fee of $10 is charged each day your account is overdrawn within the Grace Zone or $28 each day your account is overdrawn beyond the Grace Zone for a maximum of 14 days per consecutively overdrawn period. Fees charged for paying overdrafts as well as the amount of the overdraft item are subtracted from the Grace Zone amount. Paying overdrafts beyond the Grace Zone is not guaranteed and we typically do not pay overdrafts if your account is not in good standing or you are not making regular deposits. The categories of transactions for which a fee may be imposed include ATM and everyday debit card transactions, if you have opted in to the overdraft service for these transactions, checks and other transactions made using your checking account number, automatic bill payments and preauthorized automatic debits, telephone-initiated, online banking or electronic transfers and service charges. You must repay an overdraft immediately. Excessive use of the service will result in significant overdraft fees. Fees and terms are subject to change. See branch for details.
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