Lumbee Guaranty Bank (formerly Lumbee Bank) is a North Carolina state-chartered community bank headquartered in Pembroke, NC. Founded in 1971, it holds the distinction of being the first Native American-owned bank in the United States. It currently operates 13 locations across Robeson, Hoke, and Cumberland counties, with assets exceeding $500 million.

What Is Lumbee Guaranty Bank?

Most people looking up “Lumbee Bank” are either longtime customers, new residents in Robeson County, or business owners researching local financial institutions in southeastern North Carolina.

Here’s what makes this bank genuinely different: it isn’t just another community bank.

Lumbee Guaranty Bank is the first bank in the United States to be owned and operated by Native Americans. That’s not a marketing tagline — it’s a documented historical fact, and it shapes everything from the bank’s community-first mission to the way it treats individual customers.

Originally incorporated as Lumbee Bank on September 29, 1971, the institution began operations just months later on December 20, 1971. At the time, the idea of a Native American-owned bank was considered, in the words of the institution itself, “an impossible dream.” What followed was five decades of steady, community-rooted growth.

Today, it’s known as Lumbee Guaranty Bank — a full-service community bank offering personal banking, business banking, loans, digital banking, and more to thousands of customers across North Carolina.

History: From Humble Beginnings to $500M+ in Assets {#history}

Understanding Lumbee Guaranty Bank’s story helps explain why so many locals remain fiercely loyal customers — often across generations.

Key milestones in the bank’s history:

• 1971 — Lumbee Bank incorporated and opened as the first Native American-owned bank in the US, based in Pembroke, NC.
• 1973 — The bank moved into its permanent Pembroke headquarters.
• 1987 — Larry Ray Chavis was appointed President and CEO.
• 1989 — First branch expansion into Lumberton.
• 1991 — Name officially changed to Lumbee Guaranty Bank, reflecting 20 years of growth.
• 1995–1997 — Significant expansion through branch acquisitions in Maxton, Red Springs, Rowland, and Fairmont.
• 1997 — New 17,000-square-foot, three-story home office opened in Pembroke, still serving as headquarters today.
• 2012 — Entered the Raeford market and opened a second Pembroke branch.
• 2016 — Acquired loans and deposits of Southern Bank in Red Springs.
• 2020 — Expanded into Fayetteville with a Hay Street branch.
• 2024 — Consolidated Fayetteville presence into a single, more accessible Village Drive location in Cumberland County.

What started as a single-branch institution serving a small North Carolina town now manages 13 branches and over $500 million in total assets, with approximately 1,700 stockholders.

This track record of sustained, disciplined growth is a clear trust signal for both individual customers and business clients.

Where Is Lumbee Guaranty Bank Located?

Lumbee Guaranty Bank’s main headquarters is located at:

403 East Third Street, Pembroke, NC 28372 Phone: (910) 521-9707 Email: supportservices@lumbeeguarantybank.com

The bank operates 13 locations spread across three North Carolina counties:

• Robeson County — 9 branches (including Pembroke, Lumberton, Maxton, Red Springs, Rowland, St. Pauls, Fairmont)
• Cumberland County — 3 branches (including Fayetteville area)
• Hoke County — 1 branch (Raeford area)

For the most current branch addresses, ATM locations, and driving directions, visit the official Hours, Locations & ATMs page at lumbeeguarantybank.com.

Is Lumbee Guaranty Bank Open Today? Hours & Contact Info {#hours}

This is one of the most common questions people search for — especially before making a trip to a branch.

Standard Branch Hours (excluding federal holidays):

Note: Hours may vary slightly by branch location. Always confirm with your nearest branch before visiting, particularly around federal holidays.

24/7 Access Options:

• Telephone Banking: Call 1-866-674-5576 anytime, day or night
• Online Banking: Available 24/7 at lumbeeguarantybank.com
• Mobile App: Search “Lumbee Guaranty Bank” in the App Store or Google Play
• ATMs: Available at all branch locations

For urgent issues like a lost or stolen debit card, contact the bank directly as soon as possible regardless of business hours using the telephone banking line above.

Personal Banking Services

Whether you’re opening your first account or looking for a better savings option, Lumbee Guaranty Bank offers a solid range of personal financial products.

Checking Accounts

All personal checking accounts come with a free Visa® debit card. Multiple account tiers are available to match different lifestyle needs — from basic accounts with minimal fees to interest-bearing options.

Savings & CDs

• Standard savings accounts with monthly dividends
• Certificates of Deposit (CDs) for higher-yield, longer-term saving
• Individual Retirement Accounts (IRAs)

Loans

The bank offers a full suite of personal lending:

• Mortgage loans — for home purchases and refinancing
• Auto loans — competitive rates for new and used vehicles
• Personal loans — for renovations, education, healthcare, or major purchases
• Lines of credit — flexible access to funds when you need them
• Recreational vehicle loans — for boats, RVs, and similar purchases

Convenience Services

• Safe deposit boxes
• Wire transfers (domestic and international)
• Check reordering
• Visa card support
• Digital wallet compatibility

Business Banking Services

For local business owners, Lumbee Guaranty Bank positions itself as a genuine partner — not just a place to park funds. Because its staff lives and works in the communities they serve, they understand the specific economic realities facing small and mid-sized businesses in southeastern North Carolina.

Business Checking Accounts

Multiple account types to suit your business size and transaction volume. All accounts include free online access and minimal fees.

Business Lending

The bank’s Business Lending Team offers:

• Commercial real estate loans
• Working capital loans
• Business equipment and capital acquisition financing
• Agricultural loans
• Lines of credit

All business loans come with competitive rates and the localized service that larger national banks simply can’t match.

Business Services

• Merchant services (credit card processing setup)
• Night deposit for after-hours deposits
• Wire transfers (domestic and international)
• ACH processing for businesses using electronic debits or credits
• Safe deposit boxes
• Business online banking and mobile access

Business Online Banking

Free 24/7 account management from any browser. View balances, transfer funds, pay bills, access transaction history, and manage payroll-related functions — all without stepping into a branch.

Online & Mobile Banking

In today’s banking environment, physical branches matter less than seamless digital access. Lumbee Guaranty Bank has invested meaningfully in its digital infrastructure.

Online Banking Features:

• Account balance and transaction history
• Fund transfers between accounts
• Bill pay (optional service, minimal fee for business accounts)
• Loan payment portal

Mobile Banking App:

• Available on iOS and Android
• Mobile check deposit (photograph your check to deposit funds instantly)
• Account management on the go
• Secure login with standard authentication

Telephone Banking:

• Available 24/7 at 1-866-674-5576
• Check balances, paid check information, and loan details anytime

This multi-channel approach means customers rarely need to visit a branch for routine transactions.

Does Lumbee Bank File Taxes for Senior Citizens for Free?

This is a commonly searched question — and the answer requires a bit of clarity.

Lumbee Guaranty Bank itself does not offer free tax filing services for senior citizens. The bank is a financial institution, not a tax preparation service.

However, senior citizens in the Pembroke and surrounding areas have access to legitimate free tax preparation programs sponsored by the IRS and AARP:

IRS VITA Program (Volunteer Income Tax Assistance)

The IRS Volunteer Income Tax Assistance (VITA) program provides free tax return preparation for individuals who generally earn $54,000 or less, people with disabilities, and those with limited English proficiency. IRS-certified volunteers prepare and electronically file returns at no cost.

IRS Tax Counseling for the Elderly (TCE)

The Tax Counseling for the Elderly (TCE) program specifically targets taxpayers aged 60 and older. It specializes in retirement income, pension questions, and other tax issues unique to seniors. The majority of TCE sites are run through the AARP Foundation’s Tax-Aide program.

AARP Foundation Tax-Aide

AARP Tax-Aide is the nation’s largest free tax preparation service, available to anyone — you do not need to be an AARP member. It focuses on taxpayers over 50 with low to moderate income. Volunteers are IRS-certified annually and operate at over 6,500 locations nationwide including senior centers, libraries, and community centers.

How to find free tax help near Pembroke, NC:

• Use the IRS VITA/TCE locator tool at irs.gov
• Call AARP Tax-Aide at 1-888-227-7669
• Call 211 to be connected to local social services including free tax sites

Pro tip: These programs typically run from early February through April 15. Sites fill up quickly, so book your appointment early in the tax season.

Why Choose Lumbee Guaranty Bank?

There’s no shortage of banking options in North Carolina. So what genuinely sets Lumbee Guaranty Bank apart?

1. Deep Community Roots This isn’t a branch of a national chain that may close tomorrow. Lumbee Guaranty Bank has been serving the Pembroke community for over 50 years. It was built by the community, for the community.

2. Historic Significance As the first Native American-owned bank in US history, the institution carries a mission that goes beyond profit. Supporting the bank is a way for many customers to support Native American economic sovereignty.

3. FDIC Insured Deposits at Lumbee Guaranty Bank are insured by the Federal Deposit Insurance Corporation (FDIC) — backed by the full faith and credit of the US government. Your money is protected up to applicable limits.

4. Local Decision-Making Loan decisions, account approvals, and customer service conversations happen locally — not in a call center three time zones away.

5. Growing Digital Infrastructure The bank has kept pace with modern banking expectations: mobile deposit, digital wallets, online bill pay, and 24/7 telephone banking are all available.

6. $500 Million+ in Assets This isn’t a tiny institution that’s one bad quarter away from trouble. It’s a financially stable, growing community bank with a strong balance sheet.

Frequently Asked Questions

Q: What is Lumbee Guaranty Bank? A: Lumbee Guaranty Bank is a North Carolina state-chartered community bank headquartered in Pembroke, NC. Founded in 1971 as Lumbee Bank, it holds the distinction of being the first Native American-owned bank in the United States. It now operates 13 branches across Robeson, Hoke, and Cumberland counties with over $500 million in assets.

Q: Is Lumbee Guaranty Bank open today? A: Lumbee Guaranty Bank branches are generally open Monday through Thursday from 9:00 AM to 5:00 PM, and Friday from 9:00 AM to 6:00 PM. Branches are closed on Saturdays, Sundays, and federal holidays. For 24/7 access, use Telephone Banking at 1-866-674-5576 or the online/mobile banking platform.

Q: Where is Lumbee Guaranty Bank in Pembroke, NC? A: The main headquarters is at 403 East Third Street, Pembroke, NC 28372. Phone: (910) 521-9707. The bank also has additional branches throughout Robeson, Cumberland, and Hoke counties in North Carolina.

Q: Does Lumbee Bank file taxes for senior citizens for free? A: Lumbee Guaranty Bank is a bank, not a tax preparation service, and does not offer free tax filing directly. However, senior citizens in the area can access free tax help through the IRS VITA program, the IRS Tax Counseling for the Elderly (TCE) program, or AARP Foundation Tax-Aide. Call AARP at 1-888-227-7669 or dial 211 to find a nearby free tax site.

Q: Is Lumbee Guaranty Bank FDIC insured? A: Yes. Lumbee Guaranty Bank is FDIC-insured, meaning deposits are backed by the full faith and credit of the US government up to applicable legal limits.

Q: What services does Lumbee Guaranty Bank offer for businesses? A: Lumbee Guaranty Bank offers business checking accounts, commercial loans, lines of credit, merchant services, ACH processing, wire transfers, night deposit, business online banking, mobile banking, and safe deposit boxes.

Q: How do I contact Lumbee Guaranty Bank? A: You can reach the bank by phone at (910) 521-9707 during business hours, or by email at supportservices@lumbeeguarantybank.com. Telephone Banking is available 24/7 at 1-866-674-5576. You can also visit any of the 13 branch locations across Robeson, Hoke, and Cumberland counties.

Final Thoughts

Lumbee Guaranty Bank isn’t just a place to keep your money — it’s a piece of American financial history. As the first Native American-owned bank in the United States, it represents more than 50 years of community banking done right: local decisions, personalized service, and a genuine stake in the prosperity of southeastern North Carolina.

Whether you’re a longtime resident of Pembroke, a business owner looking for a trusted lending partner, or someone simply trying to find out if the bank is open today — Lumbee Guaranty Bank has built a reputation worth knowing.

For seniors looking for free tax help, remember that the bank itself doesn’t provide this service — but the IRS VITA program and AARP Tax-Aide do, and both are available near you seasonally at no cost.

Ready to bank locally? Visit any branch during business hours, call (910) 521-9707, or explore your options at their website.

This article is for informational purposes only. Always verify current hours, services, and program availability directly with Lumbee Guaranty Bank or the relevant program provider before making financial decisions.