Guaranty Bank and Trust Company in 1210 East Mulberry Street

Customer Reviews about Guaranty Bank and Trust Company:

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  Quaranty bank bought out Homestate bank which was a good bank to do business with. Since the buy out there has been nothing but problems, they tell u this or that policy has changed then the next time it's changed again. Online banking doesn't work have the time. They are very slow and shut down the second lane at the Timberline bank and the shields bank..really sucks...and they don't really have a reason. But... .today, ...there was a mistake on my daughter's deposit slip, when she questioned them about it they told her that it's not their job to check deposit slips or do math...?? So what is there job? I don't recommend this bank to anyone and I will be changing banks right away. I have called the main office in Denver several times and they act like they don't know what's going on . And today they agreed it's not there place to do math or check your deposit....Wow Why to go corporate !!
  By Deanna Shaffar, July 16, 2017
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  I too have been a long term customer with Home State Bank in Fort Collins because I was very happy to bank locally and appreciated genuinely friendly remember-your-name tellers. The transition to Guaranty has left the friendly tellers to take the onslaught of angry customer complaints because of the new horrible company policies. Their policies are favoring customers who maintain large balances in their accounts over people who have funds get tight before the next paycheck or deposit. This looks better on their corporate balance sheet for the goal of being ranked as a bigger bank in the State and completely disregards the real-world banking needs of their customers. Home State's offices were in Loveland, truly a community bank. Guaranty has their name on a building in down town Denver. Not having funds available from any deposit until the next business day has been very hard to plan for and is massively inconvenient compared to Home State. You can't run by and deposit checks because you were going to make a debit card purchase later or you were leaving for a trip and needed to gas up or pay for a hotel that night. Additionally there is no information on your account online about any pending deposits. This is not the industry standard. Chase bank may only make $200 of a deposit available but will show the total amount online instantly. Today I needed to make a deposit to cover a large check about to clear and I actually called ahead to see if I should deposit cash instead of checks to cover my balance and was told the check wouldn't come out until midnight and my deposits would post first. I again verified with the teller that my account was good before I left and went to have dinner in Old Town. I got a call at dinner that they would be putting a hold on the check I wrote from my Chase account. I left the restaurant, drove to Chase to withdraw cash and barely made it back to the drive through before 6 to deposit cash from the same account as the check they wouldn't honor to ensure my balance would be positive. Depositing my own check was a red flag that I was "kiting" between accounts even though I always transfer funds this way and this has never been a problem before! My food was cold by the time I was done and I still haven't had dinner. I don't see a reason to keep doing business here.
  By Alyssa Ratzloff, November 16, 2016

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About Guaranty Bank and Trust Company in Fort Collins