| |
Guardian Bank is proud to be your Hometown Bank. Providing citizens of our community with the finest in financial services is our goal. We invite you to become a Guardian Bank customer and welcome the opportunity to assist you.
The following is a list of our deposit accounts...
Select a heading to skip to that kind of account, or scroll down for all accounts.
[Personal Checking]
[Personal Interest Checking]
[Savings Accounts]
[Commercial Checking]
[Certificates of Deposit]
[Individual Retirement Accounts] |
| |
Personal Checking |
| |
| Minimum Balance Account |
| |
 |
Unlimited check writing priviledges. |
|
$500.00 minimum balance for no service charge OR $8.00 per month basic fee. |
|
| |
| Basic Checking Account |
| |
|
No minimum balance required. |
|
$4.50 monthly service charge for the first 15 checks/debits plus $0.25 for each check/debit over 15. |
|
| |
| Campus Account |
| (Full-time Students ages 14-25) |
| |
|
No minimum balance required. |
|
$2.00 monthly service charge. |
|
First order of wallet-style checks FREE. |
|
| |
Personal Interest Checking |
| |
| NOW - Interest Checking |
| |
|
Unlimited check writing priviledges. |
|
$750.00 minimum balance for no service charge OR $6.00 per month plus $0.25 for each check/debit. |
|
Interest Rate Tiers: |
|
|
$100 - $49,999 - Announced Rate |
|
$50,000 & over - Announced Rate |
|
|
| |
| President's Club |
| (Bank Customers age 55 & over) |
| |
|
No minimum balance required. |
|
Unlimited check writing privileges. |
|
Interest earned at NOW Account rate on daily balance of $100.00 or more. |
|
Traveler's Checks - no fee. |
|
$10.00 annual discount on Safe Deposit Box. |
|
First order of wallet-style checks FREE. |
|
| |
| Premier Account |
| ($15,000 balance in combination of personal deposit accounts) |
| |
|
Unlimited check writing privileges. |
|
Interest Rate Tiers: |
| |
|
$100 - $49,999 - Announced Rate |
|
$50,000 & over - Announced Rate |
|
|
FREE wallet-style checks. |
|
No fee Traveler's Checks. |
|
No fee small Safe Deposit Box or $25.00 annual discount on a larger box. |
|
No annual fee credit card (upon approval). |
|
$15.00 monthly service charge if balances fall below the $15,000 minimum. |
|
| |
| Personal Money Market Account |
| |
|
Minimum balance of $1,000.00 or $5.00 service charge. |
|
Limited to six (6) withdrawal transactions per month, three of which may be checks to other parties. $5.00 service charge per withdrawal over six (6). |
|
Interest Rate Tiers: |
|
|
$100 - $9,999 - Announced Rate |
|
$10,000 - $24,999 - Announced Rate |
|
$25,000 - $49,999 - Announced Rate |
|
$50,000 & over - Announced Rate |
|
|
| |
Savings Accounts |
| |
| Personal Savings Account |
| |
|
Minimum deposit of $100.00 to open. |
|
Interest paid at our announced rate on the daily balance of $100.00 or more, compounded and paid quarterly. |
|
$5.00 service charge quarterly if account balance falls below $250.00 any day of the quarterly cycle. |
|
Six (6) withdrawals per quarter with no charge (after six there will be a $3.00 per withdrawal fee). |
|
| |
| Penny Packers Savings Account |
| (Children 12 and under) |
| |
|
No service charge. |
|
$10.00 minimum to open. |
|
Six (6) withdrawals per quarter with no charge, $3.00 for each withdrawal over six. |
|
Quarterly statement. |
|
Minimum balance of $100.00 must be maintained to earn interest. |
|
| |
Commercial Checking |
| |
| Small Business Checking |
| |
|
Minimum balance - $2,000.00 for no service charge OR $6.00 monthly charge plus $0.25 per check debit. (See note below) |
|
| |
| Business Checking |
| (For accounts with more than 30 deposits, over 150 checks/debits or 300 deposited items.) |
| |
|
Minimum balance - $6,000.00 for no service charge OR $12.00 monthly charge plus $0.25 per check/debit. (See note below) |
|
| |
| Non-Profit Checking |
| |
|
Minimum balance - $500.00 for no service charge OR $3.00 monthly charge. |
|
| |
| Business NOW Account |
| (Account available only to sole proprietorships and tax exempt organizations) |
| |
|
Minimum balance - $2,000.00 for no service charge OR $6.00 monthly charge plus $0.25 per check/debit. (See note below) |
|
| |
| Business Money Market Account |
| |
|
Minimum balance - $2,500.00 for no service charge OR $7.00 monthly charge. |
|
Limited to six (6) withdrawal transactions per month, three (3) of which may be checks to other parties. |
|
Excessive withdrawal fee of $5.00 per withdrawal over six (6). |
|
Interest Rate Tiers: |
|
|
$100 - $49,999 - Announced Rate |
|
$50,000 & over - Announced Rate |
|
|
| |
Certificates of Deposit |
| |
|
30 Days to 5 Years - Contact us for more detalis. |
|
| |
Individual Retirement Accounts |
| |
|
30 Days to 5 Years - Contact us for more detalis. |
|
| |
| NOTE: We reserve the right to analyze all business checking accounts and charge based upon analysis. |
