Checking Accounts

We offer three unique checking accounts with the features you want and need. Regardless of which one you choose, you'll get access to countless perks and features that enhance your account and life, all for free.



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Which Account Will You Choose?

Guardian Credit Union’s Simplified Checking graphic showing easy money flow in and out of account without the hassle

Just getting started?

Simplified Checking

Simplified Checking provides the money movement and management without the fuss.

  • Daily money management made simple.
  • Packed with tools and protection that make your financial experience safe and easy.
  • No monthly requirements.

Gray circular arrow with “Round-Up Savings” text, representing Guardian Credit Union’s automatic savings round-up feature

Looking to save and earn extra?

Guardian Checking

Guardian Checking can help you take it up a notch. This checking account allows you to begin effortlessly saving with every purchase made. Plus, Guardian pays you extra for saving.

  • Round up purchase amounts to the next dollar every time you swipe your debit card.
  • The change will be automatically deposited into your Round-Up Savings Account.
  • Guardian will match 50% of your Round-Up Savings for the first 90 days and 5% each month thereafter.
  • Guardian will deposit $10 for every $100 saved in a Round-Up Savings account.*
  • No monthly requirements.

Earn 4.50% APY monthly on balances up to $15,000 Guardian Ultimate Checking account

Keep a higher balance?

Ultimate Checking

Get the Ultimate return. 4.50% APY to be exact. Do a little more each month to earn a lot more each month.

  • Spend $250 per month minimum.
  • Swipe 15 times per month with your Guardian debit card.**
  • Earn 4.50% APY monthly on balances up to $15,000.
  • $6/month ATM refund automatically credited to your account.
  • Unlock exclusive access to our High-Yield Savings Account








Checking Perks

Lifestyle Benefits

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Financial Benefits

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Security Benefits

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*Guardian will match deposits into your Round-Up Savings account at 50% for the first 90 days and 5% every month thereafter. Up to $300 per year. E-statements are required to earn matching. If $10 is earned for saving $100 and then $200, another $10 is not earned if withdrawal is made and balance reduced back to $100. Next $10 is earned when $300 is built back up in the Round-Up Savings Account. A Round-Up Savings account is automatically opened at the time of Guardian Checking account opening. Only round-up deposits can be made to the special savings account. Withdrawals can be made at anytime. 

**Debit card swipes will be counted based on transactions posted by month end.

***APY means Annual Percentage Yield. Ultimate Checking dividend is earned monthly on the average daily balance up to $15,000. Monthly requirements must be met to earn dividend. See current rate sheet for dividends paid on balances greater than $15,000 for Ultimate Checking. Rates are subject to change. Federally Insured by NCUA. Equal Housing Opportunity.

Rates subject to change. A minimum of $100 deposit required for online account opening.

Notice: Effective June 5, 2023, Guardian debit cards issued after this date will not include Rewards. Debit cards issued prior to June 5, 2023, will continue to earn rewards on signature-based purchases. If this card is closed and a new card number is issued, Rewards will no longer be earned. To continue earning Rewards points, apply for a Guardian Credit Card.

To find out when deposited funds will be available to use, read the Guardian Funds Availability Disclosure Policy.