Safety & Security

Security of Online Banking Sessions

We use state of the art Internet technology, supported by the outside companies we work with, to make online banking secure and to protect your personal information. We require a User ID, Password and Security Questions to access your accounts. If you do not provide this information, we cannot establish online banking services for you.

The privacy of communications between you (your browser) and our servers is ensured via encryption. Encryption scrambles messages exchanged between your browser and our online banking server.

Our online systems can only be accessed in a secure mode. "https://" at the beginning of a website URL in your web browser means that the web connection is using SSL (secure sockets layer) technology.

How Encryption Works

  • When visiting, your browser establishes a secure session with our server.
  • The secure session is established using a protocol called Secure Sockets Layer (SSL) Encryption. This protocol requires the exchange of what are called public and private keys.
  • Keys are random numbers chosen for that session and are only known between your browser and our server. Once keys are exchanged, your browser will use the numbers to scramble (encrypt) the messages sent between your browser and our server.
  • Both sides require the keys because they need to descramble (decrypt) messages received. The SSL protocol assures privacy, but also ensures no other website can "impersonate" your financial institution's website, nor alter information sent.
  • To learn whether your browser is in secure mode, look for the secured lock symbol near the address in your browser.

Encryption Level

The numbers used as encryption keys are similar to combination locks. The strength of encryption is based on the number of possible combinations a lock can have. The more possible combinations, the less likely someone could guess the combination to decrypt the message.

For your protection, our servers require the browser to connect at 128-bit encryption (versus the less-secure 40-bit encryption). Users will be unable to access online banking functions at lesser encryption levels. This may require some end users to upgrade their browser to the stronger encryption level.

To determine if your browser supports 128-bit encryption:

  • Click the lock icon or
  • Click "Help" in the toolbar of your Internet browser
  • Click on "About [browser name]"
  • A pop-up box or window will appear.
    • For Internet Explorer: next to "Cipher strength" you should see "128-bit"
    • For Netscape: you should see "This version supports high-grade (128-bit) security with RSA Public Key Cryptography"

If your browser does not support 128-bit encryption, you must upgrade to continue to access the website's secure pages.

About “cookies”

To provide better service and a more effective website, we may elect to use "cookies" as part of our interaction with your browser. A "cookie" is a small text file placed in your hard drive by our webpage server. These cookies do not collect personally identifiable information, and we do not combine information collected through "cookies" with other personal information to determine who you are or your e-mail address.

"Cookies" are commonly used on web sites and do not harm your system. The use of "cookies" within online banking is necessary for security and is required to access the system. Our use of "cookies" is for user authentication only.


Guaranty Bank collects and stores the contents of e-mail you send us in addition to your contact address and our responses to service your needs. E-mail to Guaranty Bank should be used for inquiries and questions that are not sensitive or confidential as regular Internet e-mail is not secure. You should NEVER include account numbers, your Social Security number or any other personal, identifying information in an email.

It is important to remember that Guaranty Bank will never initiate a request for sensitive information via e-mail. If you receive an e-mail requesting this type of information, please contact us at one of the following numbers:

(303) 293-5500 Denver Metro
(970) 454-4220 Northern Colorado
Toll-free 877-609-5500

250 Steele Street, Suite 350 Denver, Colorado 80206  Phone: 303.370.0055
Investment Management Products are: