Personal Accounts

Your Existing OUB and BoP Products Will Remain Similar

The following personal product names will change to the following:

• Regular Checking, Checking Plus, Free Checking, Kasasa Cash Back, Kasasa Cash with Saver, Kasasa Cash Back with Saver will be renamed to Freedom Checking
• Interest Checking, Founders Account and Kasasa Cash will be renamed to Secure Checking
• A new Student Checking account type is available at Student Smart About Money Checking
• Regular Savings, Kasasa Saver, Kasasa Saver with Cash Back will be renamed to Guaranty Savings
• Your Personal Money Market will stay named Personal Money Market

Action Required: Activate Debit Cards Monday, September 23

• When and How to Activate Your New Card – Activate your new VISA Debit card on Monday, September 23, 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, September 23, we advise you to destroy your OUB/BoP 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, September 23, you can begin using your NEW Guaranty Bank VISA Debit card. Your old OUB/BoP card will not work after Monday, September 23.

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 September 20 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, September 23. After activation, you will want to update any recurring payments you have on your OUB/BoP Debit card to your new card number.

Checks and Deposit Slips

You may continue using your current supply of OUB/BoPchecks 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 OUB/BoP will include all activity from your last statement, and any interest posted to your accounts, through Friday, September 20. Your next statement will be from Guaranty Bank and will include all activity from Saturday, September 21 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, September 23, 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, September 23 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 OUB/BoP 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.

CD & IRA

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.

Credit Cards

You may continue using your OUB and BoP credit cards. You will receive communications from the card issuer about the status of your credit card and may be issued a non-OUB or BoP branded card in the future.

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.

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 OUB/BoP. 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 39 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 deposit account numbers remain the same?

Out of all the deposit accounts at OUB and BoP, we have less than 25 duplicate account numbers – a remarkable achievement in bank conversions! For those few with duplicate account numbers, we’re excited to offer personalized concierge services. 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?

No action needed. 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 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 September 23, when the conversion is completed. Then you will want to update any recurring payments you have on your Oxford University Bank and Bank of Pontotoc Debit card to your new card number.

What happens to the rate on my Oxford University Bank and Bank of Pontotoc Personal Customer Resources 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 Oxford University Bank and Bank of Pontotoc Personal Customer Resources 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 OUB and BoP 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, September 23, your Online and Mobile Banking and Bill Pay services will transfer to Guaranty Bank. You will be able to continue using your current Oxford University Bank and Bank of Pontotoc Personal Customer Resources username. We will provide further information about creating your new password at a point closer to conversion. To access your new Online Banking after September 23, please visit our website at www.gbtonline.com.

Will Oxford University Bank and Bank of Pontotoc Personal Customer Resources 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, September 23.

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. 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. You may send us an email at welcome@gbtonline.com.

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.