Actually, Guaranty Bank does have Free checking. It does contain no interest, but is free. The only "fees" you will incur is if you overdfraft your account or require additional services such as wires, stop payments, etc. The only account that is "free" and requires direct deposit or a minimum balance is the interest checking account.
In addtion, Guaranty Bank's online banking is free and so is bill pay - for personal and business!! It is also live and shows items as they come in.
Guaranty Bank has grown, but they are adapting and are just as customer friendly.
Before others rant or complain, like some of the other reviews on here, they might get the facts. They are available in the form of brochures or disclosures. Check them out!!