[MO] Guaranty Bank $300 Checking Bonus, Direct Deposit Not Required

Update 6/6/26: Bonus is now $300. Valid until August 31. Hat tip to reader Bockrr

Update 4/4/26: Bonus is back, this time for $200. Can’t have had an account in the last 12 months Hat tip to reader person

Offer at a glance

• Maximum bonus amount: $300
• Availability: MO
• Direct deposit required: No
• Additional requirements: See below
• Hard/soft pull: Soft pull
• ChexSystems: Unknown
• Credit card funding: Unknown
• Monthly fees: Unknown
• Early account termination fee: $20, 90 days
• Household limit: None listed
• Expiration date: September 30, 2025

The Offer

Direct link to offer

• Guaranty Bank is offering a $300 bonus when you open a new checking account and complete the following requirements:
  • Open a consumer checking account with the required minimum opening deposit (ranges from $25 – $50);
  • At least one direct deposit or direct debit made through the Automated Clearing House (ACH) Network has posted and settled to the account;
  • At least one debit card transaction has posted and settled to the account; and,
  • Account must be enrolled to receive your monthly account statement electronically (e-Statements). Enrollment in Personal Online Banking (via browser or mobile app) and a valid email address are required for e-Statement delivery.

The Fine Print

• Direct deposit ACH examples are, but not limited to, an electronic deposit of your paycheck, pension or government benefits from your employer or the government. Person to person or Account to Account payments (such as, but not limited to, Zelle, Venmo or CashApp) are not considered a direct deposit. Direct debit ACH examples would be, but are not limited to, a car payment, mortgage, rent payment or another household bill. Qualifying VISA debit card purchases are defined as point-of-sale transactions made with your Guaranty Bank debit card that are completed using a PIN (personal identification number), signature, contactless, or mobile wallet (e.g., Apple Pay, Google Pay, Samsung Pay). ATM withdrawals, ATM transfers and debit card payments authorized but not yet posted do not count toward the debit card requirement. 
• Additional terms of this bonus offer: Offer is for new Elevate Checking accounts only. Account must be open a minimum of 30 calendar days, be positive and active at the time bonus is paid, which will be applied as a credit to the new account. Requirements must be met within 60 days of account opening. Client cannot have a previously closed consumer checking account with Guaranty Bank within the past 12 months. This offer is limited to one bonus per customer, per account, and will be paid to the primary owner. Customers who have previously received a new account bonus are not eligible. Cannot be combined with other offers. $300 promotional offer ends 09/30/2025 and is subject to change without notice. Bonus will be reported as interest to the IRS under the primary account owner, as applicable. The primary account owner is the owner who Taxpayer Identification Number (TIN), such as a Social Security Number (SSN), is assigned to the account and has tax responsibility. Client will be responsible for taxes on this bonus. Consult your tax advisor.
• All bank account bonuses are treated as income/interest and as such you have to pay taxes on them

Avoiding Fees

Monthly Fees

Couldn’t find out if there is any monthly fee

Early Account Termination Fee

Unable to find the fee schedule so unsure if there is any EATF.

Our Verdict

Looks very easy to meet the requirements. Feel free to share your experiences in the comments below. Have added this to our list of the best bank account bonuses. 

Hat tip to Bockrr

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