Published On: March 3, 2021

Advantages of Banking Locally

Guaranty Bank has been locally owned and operated since 1943. Our mission has always been to deliver top-notch service and the best in banking products to our customers and local communities. Over the years, we have grown to offer a comprehensive range of products and services to serve neighbors, businesses and organizations in Tennessee and Mississippi.

As a local financial institution, we strive to help local charities and organizations who work to serve the communities where we work and live. We offer support both through financial compensation and through the involvement of our employees.

Our values: Integrity. Honesty. Commitment. Equality.

We have a set of core values that drive everything we do. From day-to-day banking activities, all the way up to the way our leadership team makes decisions for the future, we work hard to make sure our values are baked into everything we do.

Always do what we say – We strive to be a trusted partner for neighbors, businesses and organizations. Our word is our promise. If we make a commitment, we do everything in our power to see it through.

Exceed expectations – We strive to deliver our best and then some. As people who live and work in the same communities that we serve, we want to go above and beyond for our neighbors.

Commit to community development – We are uniquely positioned to serve the communities we’re in. We will always do everything in our power to assist where we can both by giving money, but also by volunteering and partnering with local organizations.

Express gratitude to our customers – We are genuinely grateful for the chance to serve our customers, that’s why we practice gratitude every time we have the opportunity to help a neighbor or move a project forward.

Strive for strong communications – Good communication helps us work smarter and reach our goals faster. We strive to offer open and honest lines of communication for both our employees and our customers so we can work toward our common goals together.

Financial Education

One of the first steps toward financial success is financial education. We believe there is no shame in not knowing where to begin with managing your money. We’re here to help you get started. We offer a Financial Boot Camp to anyone who is interested in learning more about the following financial elements:

  •   How to increase your credit score
  •   Learn how to budget
  •   Start saving
  •   Start investing
  •   Prepare for home ownership
  •   Open and manage a small business
  •   Other wealth building opportunities

Each course is a five (5) week standardized curriculum program to help you get your finances on track, reduce your debt, start saving, learn how to establish or re-establish credit, learn strategies to help you change behaviors that hinder you from achieving your goals, identify financial tools, and community resources.

There’s no shame in not knowing how to manage your money. We can help you with the fundamentals and members of our team are always standing by to help you navigate financial decisions.

Additional advantages to banking locally

Affordable financing

When it comes to financing a car, a house, or even a small business, members of our team are prepared to assist you quickly with local decision making so you can access the funds you need in a timely manner. We are committed to offering competitive rates, and terms that work for you and your needs.


Customers at Guaranty Bank are able to access convenient services that help you save time and money such as Online and Mobile Banking, eStatements, a network of local ATMs, a debit card, SecurLOCK Equip, Zelle, and more.


We offer several different types of checking accounts to suit your unique needs. We have accounts for students who are learning to manage their money independently, accounts that earn interest, and accounts that come with additional benefits like ID theft protection and cell phone insurance. All of our accounts come with free access to Online and Mobile banking.


Whether your savings goals are short term, like for a vacation or a car, or long term like for a college education or retirement, we have accounts that will help your money grow securely.

Giving Back

Every year we give back to our communities through giving money, sponsoring events, encouraging our employees to volunteer at local events and with local organizations, and by offering financial education to members of our community.

We know you have a lot of choices when it comes to selecting a banking partner. We hope you see the value of choosing a local bank who knows the area where you work and live as well as you do and invests in local businesses, organizations and people. We look forward to partnering with you to help you reach your financial goals.

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