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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 

  • Online, mobile, and telephone banking
  • Free instant-issued debit card   
  • eStatements   
  • Overdraft protection 
  • Courtesy pay*
  • No minimum balance requirement
  • Nationwide access to free ATMs
  • Rewards 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 will be matched at 50% for the first 30 days and 5%  thereafter.**

Open a Guardian Checking Account 


Ultimate Checking

A 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)

Monthly Requirements 
  • - 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. 

~ Monthly requirement changes for Ultimate go into effect, April 1, 2022. Members will have until the end of April to ensure all monthly requirements are met.