הערבות הבנקאית עדיין בתוקף.

In present-tense Hebrew, the verb to be is usually omitted.

So:

• הערבות הבנקאית עדיין בתוקף literally looks like:
• the bank guarantee still in force

But it means:

• The bank guarantee is still valid / is still in force

This is completely normal in Hebrew.
If you wanted past or future, Hebrew would usually use forms of היה:

• הערבות הבנקאית הייתה בתוקף = The bank guarantee was in force
• הערבות הבנקאית תהיה בתוקף = The bank guarantee will be in force

Because in Hebrew, when a noun + adjective phrase is definite, both the noun and the adjective usually take the definite article.

So:

• ערבות בנקאית = a bank guarantee
• הערבות הבנקאית = the bank guarantee

This is a very common Hebrew pattern:

• ספר חדש = a new book
• הספר החדש = the new book

English marks definiteness only once with the, but Hebrew often marks it on both the noun and the adjective.

Because it agrees with ערבות, which is a feminine noun.

• ערבות = feminine singular
• therefore the adjective must also be feminine singular:
  • בנקאית

This is adjective agreement. In Hebrew, adjectives agree with the noun in:

• gender
• number
• definiteness

Compare:

• ערבות בנקאית = feminine singular
• מסמך בנקאי = masculine singular
• ערבויות בנקאיות = feminine plural

So בנקאית does not mean the guarantee itself is a woman; it is simply the feminine adjective form matching ערבות.

Here בנקאית is an adjective meaning bank, banking, or more naturally in this context, bank-issued / related to a bank.

So:

• ערבות בנקאית = bank guarantee

In legal or business English, bank guarantee is the natural translation.

The adjective comes from:

• בנק = bank
• בנקאי / בנקאית = banking / banker-related / bank-related

In this sentence, it simply describes what kind of guarantee it is.

Literally, בתוקף means something like in force or in effect.

It is made of:

• ב־ = in
• תוקף = force, validity, effect

So the phrase בתוקף is an idiomatic way to say:

• valid
• still valid
• in force
• in effect

Depending on context, all of these may work in English.

For example:

• החוק בתוקף = The law is in force
• הרישיון בתוקף = The license is valid
• הערבות הבנקאית בתוקף = The bank guarantee is valid / in force

עדיין means still, and it usually comes before the adjective or phrase it modifies.

So:

• עדיין בתוקף = still valid / still in force

This word order is very natural in Hebrew.

You could think of the structure as:

• subject: הערבות הבנקאית
• predicate: עדיין בתוקף

This is similar to English is still valid, except that Hebrew leaves out the present-tense is.

Yes.

• הערבות הבנקאית בתוקף = The bank guarantee is valid / in force
• הערבות הבנקאית עדיין בתוקף = The bank guarantee is still valid / still in force

Adding עדיין gives the idea that the validity continues up to now.

So it often implies something like:

• it has not expired yet
• it remains valid
• it is still effective at this moment

It is noun + adjective, not a construct chain.

• הערבות = the guarantee
• הבנקאית = the banking/bank-related

So literally: the bank guarantee

A true construct chain would behave differently and usually would not put ה־ on the first word in the same way.

Compare:

• ערבות בנקאית = a bank guarantee
  noun + adjective
• ערבות הבנק = the bank’s guarantee
  construct-like relationship / possession idea

These mean different things:

• ערבות בנקאית = a guarantee issued by a bank, or of the type called a bank guarantee
• ערבות הבנק = the guarantee of the bank / the bank’s guarantee

That distinction is very important.

A common pronunciation is:

ha-arvút ha-banká-it adáyin be-tókef

A few helpful notes:

• הערבות = ha-arvút
• הבנקאית = ha-banká-it
• עדיין = adáyin
• בתוקף = be-tókef

The stress is typically on:

• arvút
• bankáit
• adáyin
• tókef

If reading Hebrew without vowels is hard, this sentence is a good example of how much learners rely on familiarity and pattern recognition.

Yes, but it is especially common in formal, legal, administrative, and bureaucratic contexts.

Typical examples include:

• חוק בתוקף = a law in force
• חוזה בתוקף = a contract in force
• רישיון בתוקף = a valid license
• פוליסה בתוקף = an insurance policy in effect

With everyday objects or situations, Hebrew might use other expressions depending on the context. But for official validity, בתוקף is extremely common and useful.

Both can relate to validity, but they are used a bit differently.

• תקף is an adjective meaning valid
• בתוקף is a phrase meaning in force / in effect

In many cases they are close:

• הרישיון תקף = The license is valid
• הרישיון בתוקף = The license is in effect / valid

But בתוקף often sounds a bit more formal or official, and it is very common in legal or administrative language.

So in this sentence, עדיין בתוקף sounds very natural for something like a bank guarantee.