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Checking


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* No service fee will be applied if a $5000 minimum balance is maintained with Premier Checking accounts only. Does not apply to Traditional, Common Cents, Student Checking, Young at Heart and Fresh Start checking accounts. 
" Round-Up Savings - This feature is a perk of Common Cents and Student Checking, The Round-Up savings is an additional savings account that earns interest. Every time you swipe your debit card, the total is rounded up to the next dollar amount and the "change" is deposited into the Round-Up Savings. The rounded up amount is matched at 50% the first 30 days and 5% every month after, up to $300 per year. See rate sheet for current interest rate. Must sign up for eStatements to receive monthly match. Only the rounded up amount can be deposited into the special savings account. Money can be withdrawn at any time.
+ ATM Fee Refunds: Use any ATM nationwide, and we will refund up to $4 per transaction fee directly into your checking account. For non CU 24 Network ATM transactions. Premier Checking accounts holders will receive up to four ATM refunds per year. 
* Free Checks: Premier Checking account holders receive 1 free box of checks per year. Young at Heart Checking account holders receive 2 free boxes of checks per year. 

 
 

Extra Awards

 
Reward points can be earned on every purchase made on a Guardian credit or debit Rewards card. Earn points on everyday purchases and use them toward gift cards/certificates and travel to anywhere in the world.
 
There is no need to visit a special website or make purchases at specific merchants to earn points. Simply use your Guardian Rewards card and watch the points add up. When you have enough points for the reward you want, just submit your redemption request. That's It!
 

Point Details

  • Points can accumulate with Credit or Debit Rewards Card
  • Extra Awards program is a feature from any checking account. It is not account specific.
  • Earn 1 point per dollar for signature based transactions.
  • Earn 1 point per $5 for pin based transactions.
  • Awards point balance and account can be viewed from Guardian Online Banking.
  • Credit and Debit awards balance accrue together.
  • Joint account members can have awards cards for the same awards account.


Funds Availability Disclosure Policy

Click here to see the full Funds Availability Policy 

**Some restrictions may apply. For complete details and disclosures, visit your local Guardian branch or call 334-244-9999 or call the redemption center at 877-909-1450 from 6am to 6pm Pacific Time, Monday - Friday**