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Business Checking Accounts

Whether your company is a small business with basic checking needs or a large company with a high volume of transactions each month, Guardian Bank has a variety of accounts and services to meet your requirements.

Accounts which exceed the free monthly maximum (1,000 transactions and/or $10,000 in monthly coin and currency deposits and withdrawals) may be converted into another checking product.

Free Business Checking

An ideal fit for most businesses, this account has no minimum balance requirement and no monthly service charge. Enjoy up to 1,000 free monthly transaction items and up to $10,000 currency deposits and withdrawals per month free.

Business Interest Checking

Designed with sole proprietors and non-profits in mind, this account is a great way to earn interest while still giving you the flexibility you need. There are 1,000 free monthly transaction items and only a $1,000 minimum balance to avoid a low monthly service charge of $8. You also get up to $10,000 in currency deposits and withdrawals per month free.

Commercial Checking

For businesses with more complex banking needs. An earnings credit on your deposit balances may offset activity fees, and with transactions only be 15¢ per item your business has the opportunity to earn more. There is a $15 monthly service charge and the coin and currency deposits, along with withdrawals, are just $1 per $1,000.

Interest On Lawyers Trust Account (IOLTA)

An IOLTA is an interest earning checking account for use by attorneys and law firms to hold client funds. These accounts are required by state law and all interest earned on the account is paid to the State Bar Foundation to fund various programs to provide legal services supported by the State Bar Foundation.

  • Meets state requirements for appropriate handling of client funds
  • Competitive interest rate is paid on ledger balances
  • No service fees are incurred for core deposit and check writing activity
  • All account reporting and interest payments to the State Bar Foundation are handled directly by Guardian Bank
  • Convenience of maintaining the required IOLTA at Guardian Bank along with the law firm's other business accounts
  • Fees for all other account services will be assessed and reimbursed to the account by the attorney/law firm on a monthly basis

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