< Previouswill be available on the first Business Day after the day of deposit. Other Check Deposits . Funds from all other check deposits will be available on the first Business Day after the day of your deposit. * Cash Deposits. Funds from cash deposits (whether or not they are made in person to an employee of GUARANTY BANK & TRUST COMP ANY) are made available on the same Business Day that we receive your deposit. ** Check Deposits. Check deposits include U.S. Treasury checks; U.S. Postal Service money orders; Federal Reserve Bank or Federal Home Loan Bank checks; State or Local Government checks; and Cashier’s, Certified, or Teller’s Checks. In order for these check deposits to be made available according to the funds availability schedule above, the checks must be made payable to you and deposited into your account. If any of these conditions are not satisfied, then the funds from these check deposits will be made available no later than the second Business Day after the day of your deposit. LONGER DELAYS MAY APPLY. In some cases, we will not make all of the funds that you deposit by check available to you according to the previously stated availability schedule. Depending on the type of check that you deposit, funds may not be available until the second Business Day after the day of your deposit. The first $225.00 of your deposits, however, may be available on the first Business Day after the day of deposit. If we are not going to make all of the funds from your deposit available to you according to the previously stated availability schedule, we will notify you at the time you make your deposit. We will also tell you when the funds will be available. If your deposit is not made directly to one of our employees, or if we decide to take this action after you have left the premises, we will mail you the notice by the day after we receive your deposit. Funds you deposit by check may be delayed for a longer period under the following circumstances: 1. if we believe a check you deposit will not be paid; 2. if you deposit checks totaling more than $5,525 on any one day; 3. if you redeposit a check that has been returned unpaid; 4. if you have overdrawn your account repeatedly in the last six months; or 5. if an emergency condition arises that would not enable us to make the funds available to you, such as the failure of computer or communications equipment. We will notify you if we delay your ability to withdraw funds for any of these reasons, and we will tell you when the funds will be available. They will generally be available no later than the 7 days Business Day after the day of your deposit. If you will need the funds from a deposit right away, you should ask us when the funds will be available. SPECIAL RULES FOR NEW ACCOUNTS. If you are a new customer, the following special rules will apply during the first 30 days your account is open. Same Day Availability. Funds from cash*, wire transfers, and electronic direct deposits made to your account, and checks drawn on us will be available on the day we receive the deposit. Next Day Availability. Funds from the first $5,525 of a day’s total deposits of: • U.S. Treasury checks** • U.S. Postal Service money orders** • Federal Reserve Bank or Federal Home Loan Bank checks** State or Local Government checks** • Cashier’s, Certified, or Teller’s checks** • Traveler’s Checks** are available on the first Business Day after the day of your deposit. Funds Exceeding $5,525. The excess over $5,525 of a day’s total check deposits will be available on the 9th Business Day after the day of your deposit. Other Check Deposits. Funds from all other check deposits will be available on the 9th Business Day after the day of deposit. * Cash Deposits. Funds from cash deposits (whether or not they are made in person to an employee of GUARANTY BANK & TRUST COMPANY) are made available on the same Business Day that we receive your deposit. ** Check Deposits. Check deposits include U.S. Treasury checks; U.S. Postal Service money orders; Federal Reserve Bank or Federal Home Loan Bank checks; State or Local Government checks; Cashier’s, Certified, or Teller’s Checks; and Traveler’s checks. In order for these check deposits to be made available according to the funds availability schedule above, the checks must be made payable to you and deposited into your account. If any of these conditions are not satisfied, then the first $5,525 of a day’s total check deposits will be made available no later than the second Business Day after the day of your deposit. DEPOSITS AT AUTOMATED TELLER MACHINES. If you make a deposit at an automated teller machine (ATM) that is owned and operated by us before 3:00 Central on a Business Day that we are open, we will consider the deposit made that day. However, if you make a deposit at an ATM that is owned and operated by us after 3:00 Central or on a day that we are not open, we will consider the deposit made on the next Business Day we are open. INFORMATION ON FDIC INSURANCE OF MERGED BANKS. When two or more insured banks merge, the deposits from the assumed bank continue to be insured separately, under the FDIC’s general deposit insurance rules, for at least six months after the merger. This grace period gives a depositor the opportunity to restructure the accounts, if necessary. CDs from the assumed bank are separately insured until the earliest maturity date after the end of the six-month grace period. CDs that mature during the six-month period and are renewed for the same term and in the same dollar amount (either with or without accrued interest) continue to be separately insured until the first maturity date after the six-month period. If a CD matures during the six-month grace period and is renewed on any other basis, it would be separately insured only until the end of the six-month grace period. SECURE CHECKING INTEREST BEARING DEPOSIT ACCOUNT INFORMATION Interest is credited monthly, based on average daily collected balance. Minimum average daily balance of $1500 must be maintained to earn the Annual Percentage Yield (APY). Interest rate listed in each tier will be paid on the entire balance. Interest Rates and APYs are as of 8-9-2024 and may change. Tier 1 Avg daily balance below $5000, 0.700% Interest Rate, 0.70% APY Tier 2 Avg daily balance equal to or greater than $5,000 but less than $50,000, 0.775% Interest Rate, 0.78% APY Tier 3 Avg daily balance equal to or greater than $50,000 but less than $100,000, 0.850% Interest Rate, 0.85% APY Tier 4 Avg daily balance equal to or greater than $100,000 but less than $500,000, 1.250% Interest Rate, 1.26% APY Tier 5 Avg daily balance equal to or greater than $500,000, 1.850% Interest Rate, 1.87% APYNext >