Fast & Convenient Banking

Automated Teller Machines (ATMs) provide a fast and convenient banking alternative for accountholders. To ensure your safety when using an ATM, please follow these important safety precautions.

ATM Safety Precautions

Debit Card Safety Precautions

Debit cards provide added convenience in accessing your accounts. Please consider the aforementioned safety precautions and additional protections listed below when using a debit card.

  • Sign your card on the signature panel as soon as you receive it. Always keep the card in a safe place.
  • When selecting a PIN, do not use your birth date, telephone number, or Social Security number.
  • Never disclose your PIN to anyone. No one should ask for your PIN, including representatives from Guaranty Bank.
  • Do not disclose information about your card in response to an unsolicited e-mail or request.
  • If traveling internationally and using your debit card, contact your local branch to have a bank representative flag your account to avoid interruption in service.
  • Look for secure transaction symbols (https:// and a closed padlock icon) when shopping online to ensure your account information is protected. Consider using a credit card instead of a debit card for online purchases, as it may take more time to resolve unauthorized transactions or disputes with debit card fraud and money can be taken directly out of your checking account.
  • Block the view of others when using a point-of-sale (POS) terminal in making debit card purchases.
  • Check the purchase amounts on the sales receipt before signing. If the amount is different than the amount you owe, let the sales clerk know. Do not sign the receipt if the amount shown is erroneous.
  • Review your bank statements or check your account history online regularly to verify if any unauthorized transactions are shown. Always keep your statements in a safe place.
  • Report lost or stolen cards or unauthorized transactions on your account to Guaranty Bank immediately by contacting your local branch during business hours. After hours, call (800) 500-1044 to report a lost or stolen card. Providing prompt notice will limit your potential liability. For additional tips on dealing with a lost or stolen debit card, the Federal Trade Commission provides helpful information on “Lost or Stolen Credit, ATM, and Debit Cards.” Go to for more information.
  • If we suspect fraudulent debit card use, a bank representative will call you to validate the legitimacy of your transactions. Your participation is critical to prevent potential risk and avoid restrictions on your card.
  • Destroy expired cards by cutting through the account number and signature area.