Checking Perks

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 cell phone protection details.

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.

Airport Concierge

Your passport to the finer side of air travel. Enjoy a 15% savings on Airport Meet and Greet services.

Instant-Issue Debit Card

Receive a new debit card on the spot at one of our branches – no waiting by the mailbox. You walk out with a card that’s ready to use immediately.

Mobile Wallet

Add your Guardian cards to your Mobile Wallet for a fast, secure, and contactless checkout – anytime, and anywhere contactless payments are accepted.

Digital Banking

Manage your accounts anytime, anywhere with our convenient online and mobile banking. With account access in the palm of your hands, you can make payments, deposit checks on the go, transfer funds, and more.

Free Atms Worldwide

Access your Guardian account for free at over 90,000 ATMs worldwide. Just look for the Allpoint or MoneyPass logo. 

Credit Score Tool

Use this complimentary resource to access credit score updates, alerts, monitoring, and personalized offers to help you stay on top of your credit score goals.

Early Direct Deposit

Set up Direct Deposit to easily fund your account; receive your paycheck up to two days early.

Overdraft Protection

Avoid declined payments with overdraft protection – automatically cover shortfalls from a linked account. Stay covered, even when your balance runs low.

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.

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

ID Theft Protection

Register your Mastercard debit card to receive alerts and recommendations any time suspicious activity is detected involving your personal information. Once you've enrolled with your Mastercard debit card, you can add other identifying information that you would like monitored as well as additional Mastercard and Visa cards for added protection.

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.

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.

Contactless Chip Technology

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

eStatements

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

Zero Liability Policy

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