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Personal Checking

With any Guardian Bank checking account, you will receive a variety of benefits with a wide range of features designed to meet your specific financial needs. All accounts come with complimentary Online Banking, easy and free enrollment in eStatements, and complimentary Bill Pay. You are also able to utilize the Guardian Bank mobile app and request enrollment in Mobile Deposit. All Guardian Bank checking accounts also have free access to the Guardian Bank ATMs, are eligible for a MasterCard® Debit Card, and are insured by the FDIC.

Minimum Balance Account

There is a minimum deposit of $100 to open the account and there is no service charge as long as the minimum daily balance doesn't fall below $500. Should the balance drop below $500, there is a monthly service charge of $8. There are unlimited check writing privileges and free check images with your monthly statement.

Basic Checking Account

There is a minimum deposit of $100 to open the account and there is a $4.50 monthly service charge for the first 15 checks/debits, plus $0.25 for each check/debit over the initial 15. Free check images are provided with your monthly statement.

Express Checking

There is a minimum of $100 to open an account, and the monthly service charge is waived if all of the following are met: utilize Online Banking, enroll in eStatements, use Bill Pay, have at least one direct deposit going into the account.

Campus Account

Ideal for students, this account is available for full-time students age 14-26. There is a $2 monthly service charge, unlimited check writing privileges, and free check images with the monthly statement.

Interest Checking

The minimum opening deposit is $100 and there is no service charge is the daily balance stays at or above $750. Should the balance fall below $750 at any time in the month, a $6 monthly service charge will be applied to the account, plus $0.25 for each check/debit. Interest is earned on a tiered rate based on the available balance. There is unlimited check writing available with this account and all check images are free on the monthly statement.

President's Club

For people age 55 and over, this is an ideal account. earn interest on the available balance (tiered interest rates) and enjoy unlimited check writing privileges,free travelers checks, free check images with monthly statement, first order of wallet style checks free, and a $10 annual discount on a safe deposit box.

Premier Interest Checking

An excellent choice to maximize your benefits, this account earns interest (tiered) an an announced rate on the available balance. With a combined balance of personal deposits of $15,000 or more, there is no monthly service charge. Should the combined balance fall below $15,000 there is a $15 monthly fee. Account holders enjo free wallet-style checks, no fees for travelers checks or a travel card, free check images with the monthly statement, and no annual credit card fee (upon credit card approval). They also have the benefit of a free small Safe Deposit Box or a $25 annual discount on a larger Safe Deposit Box.

Personal Money Market Account

Earn a higher interest rate on larger balances! The interest rates are tiered, is compounded monthly, and is earned based on ledger balances. There is no monthly fee is the balance stays above $1,000 and a monthly fee of $5 if ledger balance falls below $1,000. There are six free withdrawals per month or statement cycle and then $5 for each additional item over the first six.

Why Guardian



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