We don’t just work for you.
We work with you.
There are plenty of places to put your money.
Welcome to one that knows your name.
Banking with a
Experience banking from a more neighborly perspective. Where our lending decisions come from a human being, not a computer formula.
We have developed two simple checking accounts that are designed to fit any situation. Whether you are a student on the go, a working professional with a family, or a retiree living on a fixed income, we have the best account for your banking needs. View Our Options »
Whether you are just starting out, saving for medical expenses or planning for retirement, we have an account to help you reach you goals. View Our Options »
Guadalupe National Bank is your neighborhood bank, and for good reason—we’re a group of local bankers helping local people. Our experienced lenders are here to personally customize lending solutions for your unique situation. Give us a call, or we’ll come to you. Apply Now »
Our lenders specialize in:
- Auto Loans
- Boat / Motorcycle / Equipment Loans
- Home Mortgage Loans
- Secondary / Investment Home Loans
- Home equity loans + Lines of Credit
- Ranch Loans including Farmer Mac program offering longer terms and fixed rates.
JOINING IS EASY
Enjoying the benefits of a checking account with Guadalupe National is simple. With ClickSwitch, you can easily move your automated payments and direct deposits to your new account with us. Get Started »
RIVER REWARDS CHECKING
|THE FRIO||THE GUADALUPE|
|WHO LIKES THIS ACCOUNT?||You like to use your debit card and want to earn cash rewards||You like to use your debit card and want to earn cash rewards but you also like to write checks and use other bank services without additional fees|
|MONTHLY SERVICE CHARGE||$0||$7|
|EARNS CASH BACK||$0.05 on debit card transactions of $5 or more||$0.05 on debit card transactions of $5 or more|
|EARNS REWARDS FOR HIGH DEBIT CARD USE||n/a||Double Cash Back when you have 30 or more debit card transactions per month|
|EARNS LOAN LOYALTY REWARDS||$3 per month when you have a qualifying loan with Guadalupe National Bank||$3 per month when you have a qualifying loan with Guadalupe National Bank|
|EARNS DIRECT DEPOSIT REWARDS||$1 per month when you have a direct deposit of $250 or more credit in your checking account||$1 per month when you have a direct deposit of $250 or more credit in your checking account|
|ATM REFUNDS||n/a||Up to $15 per month|
|STATEMENTS||Free e-Statement||Free e-Statement|
|DEBIT CARD REPLACEMENT||$10||One free per year|
|FREE CHECKS||n/a||One box per year|
|CASHIER’S CHECKS, TRAVEL CARDS + GIFT CARDS||Available (see fee schedule)||Free|
|AUTHORIZED OVERDRAFT LIMIT||$300||$500|
|INCLUDED FREE OF COST||Debit card, Instant debit card alerts, Mobile banking, Mobile deposit, Online banking, Online bill pay, Apple Pay, Unlimited check writing|
RIVER REWARDS CHECKING
Tap each circle below to view and compare our various Personal Checking accounts.
|GUADALUPE SAVINGS||MONEY MARKET||PET SENSE SAVINGS||STARTER SAVINGS||CDs||IRAs||HSAs|
|WHO LIKES THIS ACCOUNT?||You are looking for a simple account to save money without paying service fees||You want to have an account that you can use to save money but also need to write checks||You are crazy about your pet and want to make sure you have money set aside when your pet needs it most||You are under age 18 and want to learn good savings practices||You want to earn a higher interest rate for keeping your money in the bank longer||You are saving for retirement and want your contributions to be tax deductible||You want to save for medical expenses and have a high deductible insurance plan|
|OPENING DEPOSIT||$100||$1000||No minimum||No minimum||$2500||$2500||$100|
|EARNS INTEREST||Yes, tiered rates for higher balances||Yes, tiered rates for higher balances||Yes, tiered rates for higher balances||Yes, tiered rates for higher balances||Fixed rates for various CD terms||Fixed rates for various IRA terms||Yes|
|MONTHLY SERVICE CHARGE||$3||$10||Free||Free||Free||Free||$5|
|HOW TO AVOID A MONTHLY SERVICE FEE||$200 daily balance||$200 daily balance||n/a||n/a||n/a||n/a||n/a|
|FREE WITHDRAWALS PER MONTH||3||6||3||3||Early withdrawal penalties may apply||Early withdrawal penalties may apply||Unlimited upon customer’s discretion|
Tap each circle below to view and compare our various Personal Savings accounts.
We prefer doing business
with our neighbors.
For banking that understands the needs of local business, trust the bank that was founded by over 75 local business people.
There are many advantages to having your business account with Guadalupe National Bank. Our services range from remote deposits, payroll and direct deposits for employees, credit card processing, and merchant services. View more details »
Our business checking accounts are designed with your success in mind. Whether you are just starting a business or run an established corporation, we have an account that will work for you. View More Details »
Whether saving for taxes, expenditures, or future growth, we have a savings account to help you reach your goals. View More Details »
- Commercial and Small Business
- Revolving Lines of Credit
- Interim Construction Loans
- Commercial Real Estate Loans
- Equipment Loans
- Inventory and Accounts
- Receivable Financing
- SBA Loans
|REMOTE DEPOSIT||PAYROLL ACH SERVICES||CREDIT CARD PROCESSING & MERCHANT SERVICES||PAYROLL CARDS FOR EMPLOYEES||BUSINESS PURCHASE CARDS|
|WHO LIKES THIS SERVICE?||Businesses with high deposit volumes that are unable to make a daily trip to the bank||Businesses that want to pay their employees using direct deposit||Businesses that want to accept credit and debit cards as payment and are interested in POS technology or inventory management||Businesses that have non traditional employees and want to use direct deposit for payroll||Businesses that are interested in an alternative to corporate credit cards for employee purchasing|
|HOW DOES IT WORK?||We provide and install an image capturing system at your place of business and access to a secure remote deposit system at no cost||You are able to process payroll files directly through our Online Banking system at no cost||We partner with Fitech Payments to provide you the best payment solutions based on your needs||We partner with Sole Financial to issue payroll cards to your employees at no cost||We partner with BizNOW to offer you a simple to use and manage system for corporate purchasing|
Tap each circle below to view and compare our various Business Services accounts.
|BUSINESS EXPRESS CHECKING||BUSINESS VALUE CHECKING||BUSINESS ANALYSIS CHECKING|
|WHO LIKES THIS ACCOUNT?||Businesses looking for a simple account and have low transation volumes||Established businesses with more diverse banking needs||Commercial businesses that maintain high average balances and large transaction volumes|
|MONTHLY SERVICE CHARGE||$0||$8||See fee schedule for transaction analysis charges|
|HOW TO AVOID A MONTHLY SERVICE FEE||n/a||$750 minimum daily balance or $1500 average balance||Earnings credit on collected balanced can offset monthly service charges|
|AUTHORIZED OVERDRAFT LIMIT||$300||$500||$1000|
|STATEMENTS||Detailed statement with check images||Detailed statement with check images||Detailed statement with check images|
|INCLUDED FREE OF COST||First 10 paper debits, unlimited electronic transactions, Debit card, Online banking, Online bill pay, Account alerts||First 50 paper debits, unlimited electronic transactions, Debit card, Online banking, Online bill pay, Account alerts||Debit card, Online banking, Online bill pay, Account alerts|
Tap each circle below to view and compare our various Business Checking accounts.
|REGULAR BUSINESS SAVINGS||BUSINESS MONEY MARKET||CDs|
|WHO LIKES THIS ACCOUNT?||A business that wants to save money and avoid unnecessary fees||A business that wants to save money and be able to write checks from the same account||A business that want to earn a higher interest rate for keeping it’s money in the bank longer|
|EARNS INTEREST||Yes, tiered rates for higher balances||Yes, tiered rates for higher balances||Fixed rates for various CD terms|
|MONTHLY SERVICE CHARGE||$5||$10||Free|
|HOW TO AVOID A MONTHLY SERVICE FEE||$200 daily balance||$1000 daily balance||n/a|
|FREE WITHDRAWALS PER MONTH||3||6||Early withdrawal penalties may apply|
Tap each circle below to view and compare our various Business Savings accounts.
When Kerrville needed a local bank to cater to its unique needs, local businessmen pooled their resources to establish Guadalupe National Bank.
In 2007, a group of local business owners felt the people of the Hill Country needed a bank that truly represented their interests. To see this vision through, they asked friends, neighbors, and other business owners to invest in a bank designed to serve the hill country—and almost 100 of them agreed. Because of their determination, generosity, and love for their community, the capital was raised, and on March 17, 2008, Guadalupe National Bank was chartered.
Our dedication to the community means we do everything we can to support it. Each year we donate thousands of dollars to our community to give back to the individuals and businesses that support Guadalupe National. To be considered for sponsorship, please follow this link to fill out a Sponsorship Request Form. If you qualify, we’ll contact you to determine how we can contribute to your cause. Submit Request »
We want to make sure all our clients can reach us conveniently. That’s why we’ve opened two branches along with our headquarters. You can reach us by email or phone at the numbers listed below:
830.792.1999 Customer service phone number
888.764.1344 Telephone banking phone number
Meet the locals who make the Guadalupe National experience possible. View Directory »
GNB KERRVILLE BRANCH
1309 Bandera Highway
Kerrville, Texas 78028
GNB INGRAM BRANCH
1916 Junction Hwy
Kerrville, TX 78028
GNB FREDERICKSBURG BRANCH
1037 Highway 16 South
Fredericksburg, TX 78624
Guadalupe National Bank is a strong $140 Million community bank headquartered in Kerrville. We believe we don’t have to be big to deliver the best service; we just have to do what’s best for our customers.
To become a member of our team please submit your resume to firstname.lastname@example.org. Guadalupe National Bank is an Equal Opportunity Employer.
At Guadalupe National Bank, our first goal is your financial well-being, and that means helping you make informed decisions based on sound fiscal advice. To help you fulfill your banking goals, we’ll be provide articles and resources relating to finance, banking, and your success. View All Resources »
NOTICE OF YOUR FINANCIAL PRIVACY RIGHTS
We, our, and us, when used in this notice, mean Guadalupe National Bank. This is our privacy notice for our customers. When we use the words you and your, we mean the following types of customers:
- Those who have a continuing relationship by purchasing or holding financial products or services such as a(n) deposit account, loan account, safe deposit box, mortgage brokerage services. We will tell you the sources of the information we collect about you.
We will tell you what measures we take to secure that information. We first define some terms:
- Nonpublic personal information means information about you that we collect in connection with providing a financial product or service to you. Nonpublic personal information does not include information that is available from public sources, such as telephone directories or government records. Hereafter, we will use the term “information” to mean nonpublic personal information as defined in this section.
- An affiliate is a company we own or control, a company that owns or controls us, or a company that is owned or controlled by the same company that owns or controls us. Ownership does not mean complete ownership, but means owning enough to have control.
- A nonaffiliated third party is a person we do not employ or a company that is not an affiliate of ours. This is also known as a nonaffiliated third party, or simply, an “other party”.
THE INFORMATION WE COLLECT
We collect information about you from the following sources:
- Information you give us on applications or other forms
- Information about your transactions with us
- Information about your transactions with other parties
- Information from a consumer reporting agency
- Information we receive as a result of verifying customer information simply, an “other party”.
THE INFORMATION WE DISCLOSE ABOUT YOU
We do NOT disclose any information about you to anyone, except as permitted and required by law. Examples of this might include disclosures necessary to service your account or prevent unauthorized transactions.
THE CONFIDENTIALITY, SECURITY, AND INTEGRITY OF YOUR INFORMATION
We restrict access to information about you to those employees who need to know that information to provide products or services to you. We maintain physical, electronic, and procedural safeguards to protect this information.
INFORMATION ABOUT FORMER CUSTOMERS
We do not disclose information about former customers, except as permitted and required by law.