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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.

Guardian Checking with 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 account.
  • The amount deposited into your Round-Up Savings account will be matched at 50% for the first 30 days and 5% thereafter.
  • Sign up for e-Statements to receive monthly match.


Ultimate Checking Earn 4% up to $30,000 **

  • ATM fee refund up to $6/month automatically credited to your account.
  • Monthly minimum of $500 spend.
  • At least 25 debit card transactions per month.
  • Monthly requirements must be met to earn 4% APY.


Both Guardian & Ultimate checking accounts come with all of these amazing features, free of charge.

  • 24/7 access with online, mobile, and telephone banking
  • Free instant-issued debit card
  • E-Statements
  • Overdraft protection
  • Courtesy pay *
  • No minimum balance requirement
  • Nationwide access to free ATMs

Rewards Program

Earn points on each signature based transaction. Rewards points can be redeemed for cash back!

What are signature based transactions on a debit card?

Signature based transactions are debit card transactions that are not completed using the PIN. For in-store purchases, choose to complete the transaction as a credit transaction or select "sign for purchase." Even when you select an option similar to "run as credit", your debit card completes the transaction and the purchase amount is deducted from your checking account as if you used your PIN number.

Digital Wallet

A Secure, Touch-Free Way to Pay

With your Guardian debit and credit cards in your digital wallet, you can make touch-free purchases with your smartphone, tablet or Apple Watch. Available for both Apple and Android devices, all you have to do is open the Wallet app on your device, "Add a Card" and follow the instructions. Then, you'll be ready to pay the secure, simple and touch-free way with your digital wallet and Guardian Credit Union debit or credit card.

Seniors Get More (55+)

  • 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.

** APY means Annual Percentage Yield. If Ultimate Checking monthly requirements are not met, 4% APY is not earned. 4% APY is valid on average daily balances up to $30,000. See current rate sheet for APY earned on average daily balances greater than $30,000. One Ultimate Checking account allowed per member.

Rates subject to change.

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