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
Online, mobile, and telephone banking
Free instant-issued debit card
No minimum balance requirement
Nationwide access to free ATMs
Guardian CheckingA 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 CheckingA checking account with the ultimate perks
- Earn a whopping 4.0% APY on your average daily balance.***
- Out-of-network ATM fee refund (up to $6/month)
- - Minimum of 25 debit card transactions
- - $500 minimum spend
If the monthly requirements are not met, the dividend and ATM fee refund will not be paid and a $10 fee will be applied. One Ultimate Checking account per member.
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 $500 minimum spend and 25 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. One Ultimate Checking account per member.