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At Guardian we offer two unique checking accounts with the features you want and need. Regardless of which one you choose, you’ll get better rates, low fees, and more fun. 


All Guardian Accounts Include 


Free online, mobile, and telephone banking

Free instant-issued debit card   

Free eStatements   

Overdraft protection 

Courtesy pay*

No minimum balance requirement

Nationwide access to free ATMs

Awards program



Guardian Checking

A checking account with all of the features and none of the fees.
  • Add Round-Up Savings.
  • Every time you use your debit card, the amount of your purchase will be rounded up to the next dollar. The “change” will be automatically deposited into your Round-Up Savings.
  • The amount deposited into your Round-Up Savings will be matched at 50% for the first 30 days and 5%  thereafter.**


Ultimate Checking

A checking account with the ultimate interest rate.
  • Earn a whopping 4.0% APY on your average daily balance.***
  • Out-of-network ATM fee refund (up to $6/month)

 To begin enjoying ultimate benefits swipe your debit card 15 times per month and set up a minimum monthly payroll direct deposit of $500.


Seniors (55+) Get More
  • One Free box of checks per year.
  • Two Free official checks per day.
  • One Free year of safe deposit box.








  * Must Qualify for Courtesy Pay see branch for complete details. 
**  Must have eStatements to receive the Round-Up Savings match.
*** APY=Annual Percentage Yield. See current rate sheet and fee schedule. If monthly payroll direct deposit and swipe requirements are not met, no perks will be given, and a $10 fee will be applied on Ultimate Checking. Earn 4% APY on your average daily balance up to $30,000 and 0.05% APY on balances over $30,000. Out-of-network ATM fee refund given at the end of the month. 

*Rates Subject to change.