Guaranty Bank

I don’t even know where to begin–
Guaranty Bank is the most incompetent, poorly administered, and customer hostile bank I have ever had the displeasure to do business with. The only reason that I am still with your bank after closing my original branch (Aurora, IL) and then my next assigned branch (Bolingbrook, IL), and then my next assigned branch (Crest Hill) is that the personal bankers have been very helpful and, get this, NICE! and now I am on my way to a branch to get this totally cluster-​F of a mobile deposit settled. You close branches and point to your supposed fantastic mobile app as the best way to do business with this POS bank– my check deposit was denied because of «A duplicate check was detected» this is absolute non-​sense– I have reviewed the deposit on the mobile app and there is absolutely no way that this could ever be misconstrued as a duplicate check! and there is never any customer service followup to complaints– I HATE THIS BANK!

16 years ago they were the best. Now, they’re right up there with the worst.
I got my new check card in the bank — for one of my accounts and was told that I would have to buy the other one because they mailed it and I lost it (it was never even activated). Except, it doesn’t work in any ATMs. I was told by the girl in the Sendik’s location that I’d have to buy another one of those because I was stupid enough to not follow directions on how to get it to work.
Online banking — pft. Lost your password? Enjoy 55 minutes on hold and 3 attempts to try to reset because they locked you out when you guessed three times.
And then get a hold of someone, but have them yell at you and be rude — including telling you that you don’t even know your own social when it turns out that they just can’t enter your name correctly.

Horrible experience, particularly since system «upgrade.» I cannot log in, I spent 90 minutes with a phone representative on Wednesday resetting my password over and over and was told she would have a technician contact me w/​in 24 – 48 hours. I didn’t hear back, made 3 calls today, was cut off on one, hung up on by another, and now I am beginning my 2^nd hour listening to music on hold.
Very unresponsive. Very frustrating. Very time-​consuming. If you want to do banking go elsewhere!

Banks are like band aids. They do the basics… provide loans, personal, business, checking, saving, mortgages, security vault and credit cards. Guaranty bank may fit your needs if you plan to spend all of your time within 5 states. Beyond that you are on your own. NO MONEY FOR YOU! NO BRANCH FOR YOU! (Soup Nazi voice)
Imagine all of the places that you’ve been to for work/​meetings, vacations or visiting family out of state you need access or branch for service… Heck! even a simple ATM /​TYME machine. Good luck. there is no branch at Mayfair mall? isn’t tosa an area that is considered high rent, solid tax base, upward growth, mobility success?
This is the Main branch it has short lines here at the lobby usually only 2 –3 tellers not to busy during the day. They are close to the north side and when on the west side they have mini banks that are in the grocery stores. Just like all other banks however I do like the expansion and direction of PNC Bank (2400 branches), Wells Fargo (9000) and Bank of America (8500).
It’s Great service if you live in any of the 5 states they cover. The moment you leave forget it! No more great services outside of Wisconsin, Illinois, Michigan, Minnesota, and Georgia (169 locations). I may need you in Indiana, Kentucky Tennessee, Alabama or Florida. I spend quit a bit of time waiting for customer service and there is a limitation on phone transfers between accounts. Which a small local bank just doesn’t get. I really hope that a larger bank sees a little bit of value to pick up the 169 locations and streamline things and encourage better service for all.
I tell you one thing that Wells Fargo and Bank of America did that was really impressive was when I went to my local branch on a Saturday Morning, I did check in using Unilocal and Cross posted to Twitter about my experience. I got a Thank you for stopping in from a Member who was monitoring it on a SATURDAY… I really don’t expect much… but times are changing and competition for MONEY is strong. Good luck and yeah I have to say I have experienced better. I’d have to say its not the worst bank in town but that’s only because I have not been to all of the other banks in town.

This bank looks for every opportunity to charge you extra fees but provides only bare bones customer service. After five years of both personal and business banking with this branch I moved out of state. When I decided to close my accounts with them, a misunderstanding led to a slight overdraft on my part. Instead of cordially freezing the account and waiving their charges, the branch vehemently imposed it’s brand new policy of charging ten dollars a day for every day of overage, on top of their quite steep normal charges. As soon as I realized what happened I transferred money to them, however, my deposit to bring the account current went in on Friday and the bank has chosen to add injury to insult and is charging ten dollars a day through the weekend even though I provided them evidence that my deposit was on its way.
My new bank in my new state has a policy of allowing customers to request up to three waived charges a year. Also, they call me immediately if there’s ever any problem with my account and give me every opportunity to avoid extra fees and charges. They clearly value my business and treat me like a real person instead of a number. Not so Guaranty Bank. They obviously could care less whether I bank with them or not. Five years of my business meant nothing to them. I highly recommend this bank to everyone out there who needs a new hole in their head. For all normal sane people I recommend any other bank.