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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.

**We reserve the right to analyze all business checking accounts and charge based upon analysis.

Small Business Checking

  • Minimum deposit of $100 to open
  • $2,000.00 minimum daily balance for no service charge
  • Free Online Banking

Account Benefits

  • Free check images with monthly statement
  • $15 Domestic and $40 International Wire Transfers
  • MasterCard® Debit Card
  • FDIC Insured

Online Tools

  • Free Online Banking, Mobile Banking and eStatements

Monthly Fees

  • $6 monthly service charge plus $0.25 for each check/debit if balance requirements are not met
 

Business Analysis

  • For accounts with more than 30 deposits and 200 checks/debits or 200 deposited items
  • Account Maintenance $10.00
  • Items deposited $.07
  • Debits $.10
  • Deposit/Credit $.35
  • Earnings credit (announced rate)

Account Benefits

  • Free check images with monthly statement
  • $15 Domestic and $40 International Wire Transfers
  • MasterCard® Debit Card
  • FDIC Insured

Online Tools

  • Free Online Banking, Mobile Banking and eStatements
 

Non-Profit Checking

  • Minimum deposit of $100.00 to open.
  • Minimum daily balance of $500 for no service charge

Account Benefits

  • Free check images with monthly statement
  • $15 Domestic and $40 International Wire Transfers
  • MasterCard® Debit Card
  • FDIC Insured

Online Tools

  • Free Online Banking, Mobile Banking and eStatements

Monthly Fees

  • $3 monthly service charge plus $.25 for each debit/check if daily balance requirements are not met
 

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

Account Benefits

  • Meets state requirements for appropriate handling of client funds
  • Competitive interest rate is paid on ledger balances
  • 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

Monthly Service Fees

  • No service fees are incurred for core deposit and check writing activity
  • Fees for all other account services will be assessed and reimbursed to the account by the attorney/law firm on a monthly basis

Why Guardian

 

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