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At Guardian, 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.

Whether you're just getting started, looking for simple ways to save and earn extra cash, or want the ultimate rate on your higher deposit accounts, you'll find what you need with Simplified Checking, Guardian Checking or Ultimate Checking.

The best part? There are no monthly fees with any of our checking accounts.

Just getting started?

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

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Simplified Checking

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

Looking to save and earn extra?

Guardian Checking can help you take it up a notch.

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Guardian Checking

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

Keep a higher balance?

Get the Ultimate return.
5.12% APY*** to be exact.

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Ultimate Checking

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Spend $250 per month minimum.
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Swipe 15 times per month with your Guardian debit card.**
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Earn 5.12% APY monthly on balances up to $15,000.***
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$6/month ATM refund automatically credited to your account.
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Unlock exclusive access to our High-Rate Savings Account

Open a checking account at Guardian today!

Get Started

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.

*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 saved.

**Swipes will be counted based on transactions posted by month end.

***APY means Annual Percentage Yield. If Ultimate Checking monthly requirements are not met, 5.12% APY is not earned. 5.12% APY is valid on average daily balances up to $15,000. See current rate sheet for APY earned on average daily balances greater than $15,000. One Ultimate Checking account allowed per member.

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

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