Timeline

Before the transition, it’s banking as usual
Right now, there isn’t anything you need to do. Please continue to conduct your banking with FANB as you normally do, using your same account numbers, checks, debit cards, online and telephone access.

• Friday, February 2, 2024
  • The conversion process begins for FANB to Guaranty Bank.

• Saturday, February 3, 2024
  • All Saturday banking for FANB will be closed.

• Monday, February 5, 2024
  • You will have access to all your accounts and services at all 23 Guaranty Bank branches: 19 in Mississippi and 4 in Tennessee as well as all newly converted FANB branches.

Conversion Weekend:
FANB branches will close according to posted branch hours for Friday, February 2 to begin the transition of your accounts to Guaranty Bank and will remain closed over the conversion weekend. Your FANB online & mobile banking, telephone banking, and Bill Pay services will not be available during this time. The ATMs will be in service if you need cash; you will not be able to make a deposit at the ATM. You may continue to make purchases with your FANB Debit Card during the weekend. Reduced limits may apply over the conversion weekend, please plan your transactions accordingly.

News and Press

Guaranty Bank Has Received a 5-Star: Superior Rating from Bauer Financial, Inc. for 6 Consecutive Years

Bauer Financial independently analyzes all U.S. chartered banks and all federally insured credit unions with assets of at least $1.5 million. No institution pays for its rating, nor can an institution elect not to be rated.

Under Bauer’s star rating system, the highest rating a financial institution can receive is five stars (Superior). Five star (Superior) rated institutions are financially sound and are operating well above regulatory capital requirements. In determining star ratings, Bauer Financial evaluates capital ratios, profitability/loss trend, level of delinquent loans and repossessed assets, and liquidity, among other criteria.

Visit www.bauerfinancial.com for more information.

Read more about exciting banking news, financial blogs, and announcements from Guaranty Bank here.

Personal Accounts

Your Existing First American Products Will Remain Similar

The following personal product names will change to the following:

• Image Checking, Ideal Checking, 1st Economy Checking, and Regular Checking will be renamed to Freedom Checking
• Interest Checking, Red Checking and Ultimate Checking will be renamed to Secure Checking
• Young Stars Student Checking will be renamed to Student Smart About Money Checking
• I-Save Account and 1st American Savings will be renamed to Guaranty Savings
• I-Prime Account will be renamed to Guaranty Prime Investment Account
• Christmas Club Accounts will be available and remain the same with a dispersal date in November

Action Required: Activate Debit Cards Monday, February 5

• When and How to Activate Your New Card – Activate your new VISA Debit card on Monday, February 5, by calling 866-633-5293 from the phone number associated with your account. Please refer to the sticker on the front of the card.
• Your New PIN – You will be asked to create a NEW VISA Debit card PIN when you call to activate your card. You will be able to choose the PIN of your choice.
• What to do With Your Old Card – On Monday, February 5, we advise you to destroy your FANB Debit card by cutting through the magnetic strip and the card number. For your security, it is best to throw the pieces away in different receptacles.
• When to Use Your New Card – Effective Monday morning, February 5, you can begin using your NEW Guaranty Bank VISA Debit card. Your old FANB card will not work after Monday, February 5.

Account Numbers

Most account numbers will remain the same at Guaranty Bank. We have identified less than 30 checking accounts that have the same account number at Guaranty Bank. If you have one of the 30 duplicate checking account numbers, a bank representative
will reach out to you prior to February 5 to offer personalized concierge services. This service will assist in seamlessly opening
a new checking account, with additional help in converting the transactions to the new account number.

Debit and ATM Cards

You will receive a new Guaranty Bank Visa® Debit card with a new card number, activation instructions, and disclosure shortly before your accounts convert. Please do not activate or use your new Guaranty Bank Visa Debit card until Monday, February 5. After activation, you will want to update any recurring payments you have on your FANB Debit card to your new card number.

Checks and Deposit Slips

You may continue using your current supply of FANB checks and deposit slips until your supply is depleted.

We will be glad to order you new checks after the conversion. However, if you wish to continue to order checks through another
provider, please provide Guaranty Bank’s ABA routing number 084202251 to ensure correct processing.

Statements

Checking, Savings and Money Market: Your final statement from FANB will include all activity from your last statement, and any interest posted to your accounts, through Friday, February 2. Your next statement will be from Guaranty Bank and will include all activity from Saturday, February 3 forward.

If you currently receive a combined statement, you will continue to receive a combined statement after conversion.

You will receive images of the front of your paid and cancelled checks on your checking and money market account statements after conversion.

Account statements are dispersed at the end of the month.

Incoming Wire Transfers

Beginning Monday, February 5, all incoming wire requests will need to be redirected using the following wire information:

Domestic Wires: For wires originating within the United States, please send to: Guaranty Bank, 210 N. Hayden Street, Belzoni, MS, 39038, USA, ABA Routing Number 084202251. Please include the
accountholder name and account number of the beneficiary at Guaranty Bank with wire transfer instructions.

International Wires Sent Via SWIFT in US Dollars: Guaranty Bank’s Correspondent Bank is: First National Bankers Bank, 300 Concourse Blvd., Suite 100, Ridgeland, MS 39157 using Swift Code FRNAUS44. Please indicate further credit for Guaranty Bank, ABA Routing Number 084202251. Please include the accountholder name and account number of the beneficiary at Guaranty Bank with wire transfer instructions.

Outgoing Wire Transfers

For your first outgoing wire transfer Monday, February 5 or later, please visit your local branch where a banker will assist
you in processing your transfer. Guaranty Bank offers business customers online wire transfers through our online banking
platform. If you send wires often for your business, please ask about our Cash Management services.

Some restrictions may apply to certain wire transfers. Some fees apply to certain incoming and outgoing wire transfers.

Direct Deposits and Automatic Payments

To help make the transition of your accounts as seamless as possible, any electronic direct deposits or automatic payments you have processed through your FANB checking account will transfer automatically to your Guaranty Bank checking account.

To aid in this transition, and to ensure uninterrupted service, Guaranty Bank will notify agencies, organizations and other third parties from whom you receive direct deposits or to whom you direct automatic payments. We will provide them with a notice of change to Guaranty Bank’s ABA routing number 084202251.

There should be no action required by you to affect the transfer of your checking and/or savings account direct deposits and automatic payments to Guaranty Bank.

If you wish, you may follow up directly with third parties to ensure the change is made in a timely manner.

Business Accounts

Your Business Products will change to the following:

• Commerce Checking, Beneficial Checking, Main Street Checking, Small Business Free Checking and Business Checking will become Guaranty Edge Checking
• Non-Profit Checking will become Civic Checking
• 1st Investment Checking will become Business Checking with Interest

Action Required: Activate Business Debit Cards Monday, February 5

• When and How to Activate Your New Card – Activate your new VISA Business Debit card on Monday, February 5, by calling 866-633-5293 from the phone number associated with your account. Please refer to the sticker on the front of the card.
• Your New PIN – You will be asked to create a NEW VISA Debit card PIN when you call to activate your card. You will be able to choose the PIN of your choice.
• What to do With Your Old Card – On Monday, February 5, we advise you to destroy your FANB Debit card by cutting through the magnetic strip and the card number. For your security, it is best to throw the pieces away in different receptacles.
• When to Use Your New Card – Effective Monday morning, February 5, you can begin using your NEW Guaranty Bank VISA Debit card. Your old FANB card will not work after Monday, February 5.

Debit and ATM Cards

You will receive a new Guaranty Bank Visa® Business Debit card with a new card number, activation instructions, and disclosure shortly before your accounts convert. Please do not activate or use your new Guaranty Bank Business Visa Debit card until Monday, February 5. Your business checking account number will remain the same at Guaranty Bank.

Checks and Deposit Slips

Continue using your current supply of checks and deposit slips for banking with FANB until your supply is depleted. We will be glad to order you new checks after the conversion or when you run out. However, if you wish to continue to order checks through another provider, please provide Guaranty Bank’s ABA routing number 084202251 to ensure correct processing.

Statements

Checking, Savings and Money Market: Your final statement from First American National Bank will include all activity from your last statement, and any interest posted to your accounts, through Friday, February 2. Your next statement will be from Guaranty Bank and will include all activity from Saturday, February 3 forward. If you currently receive a combined statement, you will continue to receive a combined statement after conversion.

You will receive images of the front of your paid and cancelled checks with your checking and money market account statements after conversion.

Electronic Payments

To help make the transition of your accounts as seamless as possible, any incoming and outgoing electronic payments you have processed through your FANB checking account will transfer automatically to your Guaranty Bank checking account.

To aid in this transition, and to ensure uninterrupted service, Guaranty Bank will notify agencies, organizations and other third parties from whom you receive or send electronic payments. We will provide them with a notice of change to Guaranty Bank’s ABA routing number 084202251.

There should be no action required by you to affect the transfer of your checking and/or savings account electronic payments to Guaranty Bank.

If you wish, you may follow up directly with third parties to ensure the change is made in a timely manner. Account statements are dispersed at the end of the month.

Introducing your Cash Management Team
Your high-powered partner in commerce, our dedicated Cash Management Team can help you handle your business; big and small. New tools and manpower to help you check the boxes so you can get back to what you do best: good business.

Commercial Online Banking
Efficiently manage your business’s finances with our online platform. Easily handle payroll, and securely submit domestic or international wires directly to the bank.

Remote Deposit
Convenience at your fingertips – deposit checks directly from your office, saving time and enhancing your businesses operational efficiency.

Sweeps Between Business Accounts
Optimize cash flow with automated sweeps between your business accounts, ensuring funds are where you need them, when you need them.

Positive Pay
Protect your business from fraud. Our Positive Pay service offers robust safeguards against unauthorized ACH and Check transactions.

Credit Card Processing
Benefit from competitive pricing on credit card processing, enhancing your business’s payment flexibility and customer experience.

Payroll Cards
Ideal for larger businesses with a substantial workforce, our payroll cards streamline salary disbursement process, offering a practical, efficient payment solution for your staff.

Investment Accounts

CD & IRA

Certificates of Deposit and Individual Retirement Accounts

Guaranty Bank will honor your existing CD and IRA rates and terms through the first maturity date after the conversion. Prior to maturity, we will mail you a renewal notice setting forth the terms of your renewed Guaranty Bank CD or IRA.

Loans

Rest assured; your loan remains unchanged. The interest rate, due and maturity dates, and the payment plan of your loan will all stay the same.

Credit Accounts

Feel free to keep using your FANB reward credit cards just as you do today. Your current FANB Credit Card Rewards points will remain in place and redeemable for the time being. Payments can conveniently be made at any Guaranty Bank or soon to be converted FANB branch, or you can easily manage them online at mycardstatement.com.

Who We Are

About Guaranty Bank
Guaranty Bank is a strong and stable community bank that has been providing personal and business banking for over 80 years. We have a deep commitment to our customers, and pledge to continue to provide you with the positive experience you are currently receiving from FANB. As a responsible leader in economic development, we look forward to serving as an instrumental member in your local communities through our actions and the involvement of our employees.

The values that drive us:

• Always do what we say
• Exceed expectations
• Commit to community development
• Express gratitude to our customers
• Strive for strong communication

Locations

Find a Guaranty Bank location, ITM, or ATM near you by using our interactive branch locator here.

Can you tell me more about Guaranty Bank?

Guaranty Bank has been serving individual and business banking needs in Mississippi for more than 80 years. Living our core values of integrity, confidentiality, honesty, and commitment every day has helped us grow the bank into one of the top 5 strongest banks in Mississippi.

With humble beginnings, Guaranty Bank has stayed the course with conservative and prudent banking practices, enabling us to grow and remain profitable during challenging environments. Our expanded resources will provide you with a greater convenience and access to our 21 branches in Mississippi and four in Tennessee.

We feel as though our bank is positioned as a leader in our state due to our leadership whose banking style, rooted in family and tradition, is coupled with a cosmopolitan vision for the future of banking. Our goal at Guaranty Bank is to ultimately create lasting relationships through banking, a focus we are dedicated to in every aspect of our business.

Will my account numbers remain the same after the conversion to Guaranty Bank?

Out of over 20,000 checking accounts at First American National Bank, we have less than 40 duplicate checking account numbers – a remarkable achievement in bank conversions! For those few with duplicate account numbers, we’re excited to offer personalized concierge services prior to February 5. This service will assist in seamlessly opening a new checking account, complete with all the latest features and benefits.

What happens to my direct deposit? Should I notify Social Security or my payroll administrator?

Nothing needs to be done at this time. We will send you a Conversion Guide soon which will provide you with everything you need to know about your accounts and services, including rerouting direct deposits with the new Guaranty Bank routing number.

What happens to my checks and First American National Bank Debit card?

The Conversion Guide will provide information about your checks and Debit cards. You will receive a mailing that will include your new Guaranty Bank VISA Debit card prior to the conversion weekend. 

Please do not activate or use your new Guaranty Bank visa Debit card until February 5, when the conversion is completed. Then you will want to update any recurring payments you have on your First American National Bank Debit card to your new card number.

What happens to the rate on my First American National Bank Certificate of Deposit (CD)?

Guaranty Bank will honor rates and terms on your existing CD accounts through the first maturity date after conversion.

What happens to my First American National Bank loans?

All loans will move to Guaranty Bank where we will honor your current rates and terms through the first maturity date after conversion.

What can I expect regarding fees and product offerings?

Guaranty Bank terms, conditions, and fees are similar to your First American National Bank accounts. Specific information and any changes to your accounts will be provided to you before the conversion.

Will I still have access to Online and Mobile Banking?

Yes, on Monday, February 5, your Online and Mobile Banking and Bill Pay services will transfer to Guaranty Bank. You will be able to continue using your current First American National Bank username. We will provide further information about creating your new password at a point closer to conversion. To access your new Online Banking after February 5, please visit our website at www.gbtonline.com.

Will First American National Bank branches operate under the name of Guaranty Bank?

Yes, all the acquired branches will operate under the Guaranty Bank name immediately following the closing and conversion on Monday, February 5.

How can I get answers to additional questions I have about my account?

You can rely on all of us at Guaranty Bank to help ensure a smooth conversion for you. If you have questions, please call us at 800-847-7454 Monday through Friday from 7:00 to 7:00 to speak to a customer representative.

Will I still have access to make P2P payments through Online Banking?

Yes, you will have to access to Zelle right within your Online & Mobile banking platforms. Zelle is a fast, easy and secure way to send and receive money instantly and fee-free.

How can I access my benefits that come with my Freedom or Secure checking accounts?

Enrollment instructions for benefits access will be included in your Conversion Guide that will be coming to your mailbox soon.

Will my current Home Equity Line of Credit or Overdraft Protection Line of Credit due date change?

You may notice a change in when you receive your Home Equity Line of Credit or Overdraft Protection Line of Credit monthly bill from us, but please note that your due date will not change.

Will the current branch hours change?

All branch location hours will remain the same.