Refer your friends and family to earn cash rewards!

Something this good shouldn’t be kept to yourself.

Tell your friends and family about Guaranty Bank to earn cash rewards.  It is as easy as 1-2-3!

Step 1 – Go to and register.

Step 2 – Refer your friends to Guaranty Bank via text or email within the system.

Step 3 – Earn $50 when your friend or family member opens an account and meets the qualifications.

Our referral program features:

  • Royal Digital Referral App in the Apple® App Store® or Google Play™ store to refer your friends on the go.
  • Ability to refer your family & friends through Facebook and Twitter as well via email or text.
  • Earn a Starbucks™ gift card for every 10 people you refer*


Get started referring today 

The person making the referral (Referrer) will earn a $50 Cash via direct deposit for each individual or business referred (Referred Person or Business) to Guaranty Bank & Trust Company (GB&T) that does not already have a GB&T checking account, registers for the offer, opens a new personal checking or business checking account and completes the other requirements within the time specified in the program. To make a referral, the Referrer must register for the program online at  , agree to the Terms and Conditions, and submit a valid email address for both the Referrer and each Referred Person or Business. A Referrer may receive up to ten (10) direct deposits in increments of $50 ($500 value) within a calendar year, but only one Referrer may receive a cash bonus for each Referred Person or Business that fulfills the requirements (the first Referrer who enters information for a Referred Person or Business will be the eligible Referrer). The Referred Person or Business may only receive one incentive bonus for opening an account and completing the requirements but may also be eligible as a Referrer.

Referred Person

To earn $50 cash via direct deposit, the Referred Person must register by following the link provided in the referral email or text; open a new GB&T personal or business checking account within 60 days after receiving the email or text offer through the official means of the program.  And keep the new account open and in good standing (the account must not have any overdrafts) for at least 60 days.

Other Important Information

Reward: REFERRED PERSON OR BUSINESS: As a participant in the GBT Bank Refer A Friend promotion, you understand that the GBT person making the referral may know that you opened an account and met the qualifying criteria needed for each participant to receive the $50.00 cash referral bonus. GBT will not disclose the identity of the customers who have opened an account to the referring customer. You will need to notify your friend if you wish to make them aware that you have opened an account through the Refer A Friend promotion.

Email Address:  When opening a GBT personal checking or business checking account, the Referred Person or Business must provide the same email address used when registering with Royal.

Other Limitations:  The Reward offer is not available if the Referred Person or Business already has a GB&T checking account, and it may not be combined with other offers. This offer may end or be changed without notice.

Deposit Account Disclosures:   Minimum opening deposit for personal accounts is $20.00 except for Educators plus which is $100.00 and Select Banking $1,000.00 and $20.00 for Business Checking accounts. If you choose to open an interest-bearing checking account, either personal or business, the Annual Percentage Yield (APY) paid will be based on account balance and date of account opening. Guaranty Bank & Trust Company may change the APY at any time. Fees may reduce earnings. A monthly fee may apply depending on account type but may be waived on some accounts if certain conditions are met (visit for conditions). All deposit accounts are subject to the GB&T Company Terms and Conditions. 

Opt out:   The Referrer authorizes the sending of communications to each Referred Person or Business. The email may not be recovered if the person has “opted out” of marketing material from GB&T or Royal. Each person who registers at Royal authorizes future communications, including emails regarding the program unless they “opt out” by making an election at Royal or within such email.

Other Rewards: The Referrer will earn a $5 (five) dollar gift card to Starbucks Coffee for every ten (10) referrals made within the Royal Referral Center Site. Each referral must be to a unique non-customer (name and/or email address). Social Media posts will count as one (1) referral. Starbucks rewards will be delivered as a code into the Referrer’s Royal Referral Center Mailbox. There is no limit to the amount of rewards you can earn. Promotion is subject to change at any time.

Employees of Guaranty Bank and Trust Company, Guaranty Financial Services or affiliates are not eligible for this program.

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