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Checking Perks

Whether you’re just getting started, looking for simple ways to save and earn extra cash, or want to earn the ultimate rate on your higher deposit accounts, you’ll find what you need with one of our three convenient checking accounts. Regardless of which one you choose, you will receive these enhanced features free with any of our three accounts.

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Cell Phone Protection

Use your Guardian Debit Card to pay for your monthly cell phone bill and earn this complimentary coverage for unlimited lines on your plan. Receive up to $800 of coverage per claim and up to $1,000 of coverage per year; paying only a $50 deductible per claim. This coverage is good for unlimited phone lines and up to 2 claims during a 12 month period. View details.

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ID Theft Protection

Register your Mastercard debit card to receive alerts any time your personal information is used suspiciously.

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Instant-Issue Debit Card

Walk out of the branch with your debit card activated and ready to make a purchase.

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Mobile Wallet

Conveniently add your Guardian cards to your Mobile Wallet for a fast and secure check out. This feature can be used on contactless card machines.

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Digital Banking

Manage your accounts anytime, anywhere with our convenient online and mobile banking.

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Card Management

With a robust set of card management tools, you can quickly and easily place temporary blocks on your card, mark cards as lost/stolen, schedule travel notices and control spending limits.

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24/7 Fraud Alerts

Keep your contact information current to receive text messages and phone calls from the Guardian Fraud Center any time fraudulent activity is suspected on your account.

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Direct Deposit

Set up Direct Deposit to easily fund your account.

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Receive your monthly statements faster and with greater security when you enroll in e-statements. E-statement notifications are delivered via email and accessible anytime within online banking.

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Overdraft Protection

Link one of your personal savings accounts to protect against an accidental overdraft. Funds will be pulled from the designated savings account at the time of a purchase if you do not have sufficient funds available in your checking account.

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Seniors Get More (55+)

With our Senior Perks, members age 55 and older will receive one free box of checks per year, two free official checks per day, and one free year of safe deposit box.

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Courtesy Pay*

Opt into courtesy pay and Guardian will help cover your purchase amount when you do not have funds available in your checking account.

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Chip Technology

Chip Technology combines convenience and safety to make the purchasing process quick and keep your identity secure.

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Zero Liability Policy

Mastercard has a zero liability policy which means you won’t be held financially responsible for "unauthorized transactions."

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Airport Concierge

Enjoy a 15% savings on Airport Meet and Greet services.

*Must qualify for Courtesy Pay. See branch for complete details.