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Checking


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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. 

 

All Guardian Accounts Include 

 
  • Free online, mobile, and telephone banking

  • Free instant-issued debit card   

  • Free eStatements   

  • Overdraft protection 

  • Courtesy pay*

  • No minimum balance requirement

  • Nationwide access to free ATMs

  • Awards program

 

Guardian Checking

A 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 account will be matched at 50% for the first 30 days and 5% every month thereafter, up to $300 a year.

 

Ultimate Checking

A checking account with the ultimate interest rate.
  • Earn a whopping 4.0% APY on your average daily balance.**
  • Out-of-network ATM fee refund (up to $6/month)

 To begin enjoying ultimate benefits swipe your debit card 15 times per month and set up a minimum monthly payroll direct deposit of $500.

 

Seniors (55+) Get More
  • One Free box of checks per year.
  • Two Free official checks per day.
  • One Free year of safe deposit box.

 

Awards Program

Every time you use your debit card you'll be awarded points you can redeem for gift cards and travel discounts!

  • Points can accumulate with credit or debit Rewards Card.
  • Earn 1 point per dollar for signature based transactions
 

 

 

 

 

 

 

** APY=Annual Percentage Yield. See current rate sheet and fee schedule. If monthly payroll direct deposit and 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 0.5% APY on balances over $30,000. Out-of-network ATM fee refund given at the end of the month. 

* Must Qualify for Courtesy Pay see branch for complete details. 

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**