First Step Checking

Our First Step Checking is a fully featured account designed for first time checking users. The account has a $100 minimum balance to help you develop good checking account habits. If the $100 balance is maintained, there is no monthly fee.

First Step Checking includes a free debit card with an unlimited number of transactions at stores and ATMs. You'll also have free Online Bill Payment and free account access via Guardian Online, Guardian Mobile, and our iPhone App.


If you've had a checking account before, or have established some credit history, you may qualify for other Guardian checking accounts. Check out our other checking options.


Guardian Mobile Online Banking App for iPhone

Guardian Mobile now has an iPhone App that allows you to check account balances, view recent transactions, transfer funds, and pay bills to existing payees. Our iPhone App is free and available now at the Apple App Store. Take a look and download it today!


Account Information

Minimum to Open

  • $100

Interest 

  • None

Monthly Fee 

  • $10 if minimum balance is not maintained

Transaction Fees

  • $2 each out-of-network ATM transaction
  • 1% on multiple currency transactions and 0.8% on single currency foreign transactions
  • Other miscellaneous fees may apply 


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