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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.

Minimum Balance Account

  • Minimum deposit of $100.00 to open
  • Unlimited check writing privileges
  • $500.00 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
  • Free Bill Payment

ATM Benefits

  • Free access to Guardian Bank ATMs

Monthly Fees

  • $8 monthly fee if minimum daily balance is not maintained
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Basic Checking Account

  • Minimum deposit of $100.00 to open
  • 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
  • Free Bill Payment

ATM Benefits

  • Free access to Guardian Bank ATMs

Monthly Fees

  • $4.50 monthly service charge for the first 15 checks/debits plus $0.25 for each check/debit over 15
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Express Checking

No service charge for those that utilize all of the following:

  • Minimum deposit of $100.00 to open.
  • Online Banking
  • Electronic Statements
  • Bill Pay
  • Direct Deposit

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
  • Free unlimited Bill Payment

ATM Benefits

  • Free access to Guardian Bank ATMs

Monthly Fees

  • Waived if all requirements are met above
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Campus Account

  • For full-time students age 14-26.
  • Minimum deposit of $100.00 to open.
  • Unlimited check writing privileges.
  • 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
  • Free unlimited Bill Payment

ATM Benefits

  • Free access to Guardian Bank ATMs

Monthly Fees

  • $2 monthly service charge
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Interest Checking

  • Tiered Interest Rate
  • Unlimited check writing privileges
  • Minimum deposit of $100.00 to open
  • $750.00 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
  • Free Bill Payment

ATM Benefits

  • Free access to Guardian Bank ATMs

Tiered Interest Rates

  • Tiered Interest Rate based on available balance

Monthly Fees

  • $6 per month plus $.25 for each check/debit if minimum daily balance is not maintained
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President's Club

  • For bank customers age 55 and over
  • Unlimited check writing privileges
  • Interest earned
  • $10.00 annual discount on safe deposit box

Account Benefits

  • First order of wallet style checks free
  • Free travelers checks
  • 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
  • Free Bill Payment

ATM Benefits

  • Free access to Guardian Bank ATMs

Tiered Interest Rates

  • Tiered Interest Rate based on available balance

Monthly Fees

  • N/A
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Premier Interest Checking

  • $15,000 balance in a combination of personal deposit accounts
  • Unlimited check writing privileges
  • Interest Rate Tiers:  Announced Rate
  • No fee small Safe Deposit Box or $25.00 annual discount on a larger box

Account Benefits

  • Free wallet-style checks
  • No fee Traveler's Checks / Travel Card
  • Free check images with monthly statement
  • $15 Domestic and $40 International Wire Transfers
  • MasterCard® Debit Card
  • No annual fee credit card (upon approval)
  • FDIC Insured

Online Tools

  • Free Online banking, Mobile Banking and eStatements
  • Free Bill Payment

ATM Benefits

  • Free access to Guardian Bank ATMs

Tiered Interest Rates

  • Tiered Interest Rate based on available balance

Monthly Fees

  • $15 monthly service fee if balance requirement is not met
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