Woman using Guardian Credit Union’s credit score tool, powered by SavvyMoney, to track her credit health on a mobile device

Online and Mobile Services

Stay connected to your money with powerful tools designed to simplify your financial life.
 



Manage Accounts. Anytime, Anywhere.

Experience the ease and security of digital banking with our online and mobile services. Whether you’re managing your finances on your computer or using your smart phone, our digital banking solutions give you the control and convenience you need.
 






Digital Banking

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A woman is using a laptop with the Guardian Credit Union online banking dashboard open, seated in a modern workspace with another person nearby and a smartphone on the table.
account management

Stay Connected to your Accounts

 
  • Account Overview: View balances and transactions (past and pending). Access full card details, ACH numbers, and your member number.
  • Card Management: Activate new cards, set transaction limits, and apply location or category alerts and controls for extra security.
  • Rewards Access: Link to your Rewards profile to check your balance and redeem for cash back.
  • Digital Card Access: Get a temporary digital card for online or mobile wallet use while waiting for your physical card.
  • Mobile Check Deposit: Deposit checks directly from the app—just sign and include your account number.
  • Check Ordering: Reorder checks through the online banking portal.
  • Overdraft Protection: Link eligible accounts to prevent declined transactions or overdraft fees.
  • eStatements (Desktop Only): Securely view and download current and past statements. Enroll with one click. 


Member accessing Guardian Credit Union’s online and mobile banking to manage accounts from phone and laptop
Mobile Banking

Open Accounts or Apply for Loans

 
  • Open an Account: Start new savings or checking accounts online with just $100.*
  • Apply for a Loan: Submit applications for auto loans, personal loans, or credit cards right from the app.
  • Fast Cash Loans: Need quick funds? With a Guardian CashPlease® Loan, borrow $100–$750—no payday loan fees or interest.


A Guardian Credit Union Member is enjoying home porch, feet propped up comfortably while engaged with the Guardian Credit Union App on their smartphone, focusing on her financial wellness.
Financial Tools

Tools to Help You Plan, Save, and Grow

 


Make secure, real-time transfers and bill payments with Guardian Credit Union’s online and mobile banking features
transfer & pay

Simple and Secure Money Management

 
  • Bill Pay: Set up automatic, recurring payments for your bills at no charge.
  • Loan Payments: Make one-time or recurring payments to any Guardian loan.
  • Transfers: Move money between your Guardian accounts or send to other GCU members.
  • Skip-A-Pay: Need extra cash this month? Eligible loans may qualify to skip a payment.*


Alerts & Security

Stay in the know and in control with online and mobile banking.

  • Custom Alerts: Get real-time notifications for logins, account changes, and transactions—set alerts by amount, type (in-store, online), or merchant category (gas, grocery, ATMs, etc.).

  • Advanced Controls: Decide how and where your card is used by setting controls on spending limits, locations, transaction types, or merchant categories for stronger, personalized protection.

Person using Guardian Credit Union mobile app for secure online banking and financial account management
Mobile Banking

Exclusive Features for Mobile Banking

 
  • Touch & Face ID Login – Secure, quick access
  • Mobile Wallet – Push your card to your mobile wallet with Apple Pay, Google Pay, or Samsung Pay
  • ATM & Branch Locator – Find the nearest Guardian location in seconds
  • Mobile Deposit - Deposit checks right from the app—just endorse and write your account number
Man managing finances through Guardian Credit Union's secure online banking platform on his laptop
Online Banking

Exclusive Features for Online Banking

 
  • Recurring Transactions – Set up and manage automatic payments
  • Detailed Transaction History – Search past transactions by category, date, or amount
  • Secure Document Storage – Access and download statements and tax forms














How to Enroll in Digital Banking

 
  1. Click the Login button in the navigation bar.
  2. Click Register a New Account.
  3. Read and accept the Digital Banking Access Agreement by checking the box to proceed.
  4. Verify your identity by following the on-screen prompts. You’ll need your account number, Social Security number, and date of birth.
  5. Create your login credentials by choosing a username and password.
  6. Log in using your new credentials.
  7. Enter your contact information when prompted.
  8. Now you can access your accounts —anytime, anywhere.




Person holds phone showing Guardian CU credit score app for financial wellness and real-time insights

Credit Score Tool

You can keep an eye on your credit score with the Credit Score Tool, an application that taps into your credit history to provide a clear picture of your credit score without being penalized for checking.
 
  • Credit Score Analysis
  • View Credit Score History
  • Credit Report
  • Receive Alerts About Your Credit Score and Report

Member securely accessing Guardian Credit Union eStatements online to manage accounts and reduce paper waste

Estatements

Switch to receiving your monthly statements via email, giving you secure and convenient access to account details whenever you need them.





Got Questions? We've Got Answers.

  • In the Mobile App: Navigate to Accounts, tap on the account you need info for, then tap Show Details in the top right corner.

  • In Online Banking: Go to Accounts, select the account, and choose Account Details from the menu bar.

Your full 13-digit account number and Guardian’s routing number will be displayed there.

To update your contact details, log in to Online or Mobile Banking, go to Settings, then select Contact. From there, you can update your address, phone number, and email. You can also visit any Guardian branch for assistance.
A Digitally Issued Card gives you instant access to a temporary digital version of your debit or credit card. You can use it for online purchases or add it to your mobile wallet while you wait for your physical card to arrive.
Fingerprint Balance Check lets you view your account balance instantly using fingerprint login—no need to fully open the Guardian mobile app. Just a quick tap gives you the info you need.
Yes! If you have more than one Guardian member account, you can link them to view and manage all of your accounts within the same Online or Mobile Banking login. It’s a convenient way to keep everything in one place.
To order checks, log in to Online or Mobile Banking. Navigate to the Accounts dropdown menu and select Order Checks. Follow the prompts to complete your order.
You can send a secure message to a Guardian Expert anytime through the Messages feature within the Online Banking portal. It’s a safe and convenient way to get assistance without leaving your account.








*A minimum of $100 deposit required for online account opening.
What's Up Next?
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Register for Online Banking
 
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Download the Mobile App