January 2013
Message from the President
Dear Customer,
Happy New Year! Our country survived the fiscal cliff! Now our representatives get to deal with the debt ceiling. As Gilda Radners’ character Rosanne Rosanna Danna used to say on Saturday Night Live, “It’s always something”. There are plenty of other sources to bombard you with doom and gloom so I’ll spare you my take.

Let’s talk about relationships. What do you expect from your bank? Always being there? Helping out in a fix? Taking the time to really listen to your needs? At Guaranty Bank, we know our future depends on great customer relationships. We also know as customers’ needs change, we need to anticipate and change as well. And we’re doing just that.
Four Reasons You Should Balance Your Checkbook Monthly

Be honest. Do you faithfully balance your checkbook to the penny each month? Balancing your checkbook is one of the most basic habits for good money management, yet millions of Americans don't do it on a regular basis. I've met people who never record the pennies on the checks they write; people who enter bogus amounts in their check register to "fool" themselves into thinking they have less money than they really do so they can be pleasantly surprised later, or to provide a cushion for errors; people who only balance their checkbook once a year when they do their taxes.

Go Green with E-Statements


Do you open your statements, or just toss them out with the rest of your junk mail? Or do you shred it after taking a quick look just to make sure nothing crazy happened? You don’t have to deal with the gut wrenching scenario of never receiving it or if someone else got a hold of it.
Take a step in the right direction to higher rates with our Step-Up Certificate of Deposits*.


Who doesn’t want a little peace of mind in this uncertain rate environment? Now you can stop limiting yourself to short term lower rates in fear you’ll miss out when rates start to climb.

Brainy Bits

Trivia, riddles and more to keep your brain in tip top shape.

See if you can figure this out.

  1. What percentage of U.S. consumers now use bill pay?
  2. How many ways can someone make change for a dollar?

Holiday Closings
All locations will be closed on Monday, February 18th in observance of President’s Day.

Supporting the community
The Salvation Army kettle campaign helped to raise a grand total of $309,174.56! Congratulations on another successful campaign. We would like to thank all who volunteered their time as well as Guaranty Bank employees who counted the kettles every morning.

Come cheer on Guaranty Bank and support Big Brothers Big Sisters! Guaranty Bank will be Bowling For Kids’ Sake at the Cedar Rapids Bowling Center on Tuesday, February 12th at 3:00pm and Thursday, February 14th at 3:00pm.

Guaranty Bank will also be participating in the JDRF Walk to Cure Diabetes. The walk will take place on Saturday, February 23rd at 10:00am.


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