Checking Accounts
Just the basics or a little bit more, we have checking options designed based on how you spend and manage your money.
- Our basic checking account
- No minimum balance
- Not interest-earning
- Higher rates: 5.00% APY on the first $500, and 0.01% APY on anything more than $500
- Fraud protection enhancements
- Free cashier's checks and money orders
- Streaming services refund ($5 per month) when you pay one or more qualifying services from your account
- Out-of-network ATM fee reimbursements (up to $20 per month)
- Fraud protection enhancements
- Free cashier's checks and money orders
- For students ages 13-24
- Cash rewards with qualifying GPA
- No minimum balance
- Not interest-earning
Standard Checking
Looking for an account with limited requirements that allows you to spend the way it makes sense for you? Our Standard Checking gives you the basics and our core benefit set, all with no minimum balance.
Minimum Opening Deposit
$25
Core Benefits
- Digital/mobile banking services
- Remote (mobile) deposit
- Instant-issue Visa® debit card
- Digital wallet
- Debit card controls
- Account alerts
- Overdraft protection services
- Financial planning tools
- A round-up savings option
- A free ATM network
Fraud protection enhancements add-on available for $2.00 per month.
Assurance Checking
Feel confident knowing that your money is working for you and helping you earn some interest along the way with Assurance Checking. Fraud protection enhancements provide a little extra peace of mind.
Minimum Opening Deposit
$25
Key Benefits
- Higher rates: 5.00% APY on the first $500. 0.01% APY on anything more than $500.
- Fraud protection enhancements
- Free cashier’s checks and money orders
Plus, Our Core Benefits
- Digital/mobile banking services
- Remote (mobile) deposit
- Instant-issue Visa® debit card
- Digital wallet
- Debit card controls
- Account alerts
- Overdraft protection services
- Financial planning tools
- A round-up savings option
- A free ATM network
Extra Details
- Maintain a minimum daily balance of $2,500
- Have at least one direct deposit of $200 or more made to your account during the month
If you don’t meet these requirements, you won’t earn interest for the month, but you will be able to earn again in the next month, if requirements are met.
Access Checking
Access Checking gives you the chance to get money back for something you already do – streaming your favorite shows, music or movies.
Minimum Opening Deposit
$25
Key Benefits
- Streaming services refund ($5 per month) when you pay one or more qualifying services from your account.
- Out-of- network ATM fee reimbursements (up to $20 per month)
- Fraud protection enhancements
- Free cashier’s checks and money orders
Plus, Our Core Benefits
- Digital/mobile banking services
- Remote (mobile) deposit
- Instant-issue Visa® debit card
- Digital wallet
- Debit card controls
- Account alerts
- Overdraft protection services
- Financial planning tools
- A round-up savings option
- A free ATM network
Extra Details
- Have at least one direct deposit of $200 or more made to your account during the month
- Make 15 debit card payments of $5 or more during the month
- To earn a monthly $5 streaming credit for the month, you’ll need to have a streaming payment of $5 or more during the month
If you don’t meet these requirements, you won’t get a streaming service refund for the month, and you won’t receive ATM fee reimbursements, but you will be eligible for these benefits again in the next month if requirements are met.
Student Checking
Our Student Checking provides a little something extra for eligible students, with the opportunity to earn cash rewards with a qualifying GPA.
Minimum Opening Deposit
$10
Core Benefits
- Digital/mobile banking services
- Remote (mobile) deposit
- Instant-issue Visa® debit card
- Digital wallet
- Debit card controls
- Account alerts
- Overdraft protection services
- Financial planning tools
- A round-up savings option
- A free ATM network
Checking Frequently Asked Questions
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What streaming services are eligible for refund with an Access Checking account?
Netflix®, Amazon Prime®, Disney+, Paramount+, Hulu®, Spotify® and Apple® are streaming services that make an accountholder eligible for a $5 monthly refund.
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I have more than one eligible streaming service. Will I receive a $5 monthly refund for each with an Access Checking account?
You will receive just one $5 refund per month, whether you pay one of the eligible streaming services from your account or multiple eligible streaming services.
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For an Access Checking account, do automatic payments made to a debit card count toward the 15 debit card transactions per month?
Yes, automatic payments made via debit card count toward the 15 minimum transactions per month.
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What fraud protections are associated with my account?
The Guardian Credit Union Fraud team strives to support the fraud protection efforts of our members, to help ensure your peace of mind, and to work with you to investigate fraud attempts on your Guardian accounts. Additionally, Assurance and Access Checking accountholders, as well as anyone who purchases add-on services receive these fraud protection enhancements.
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I have an Assurance or Access account or the fraud protection enhancements add-on. How can I register for/activate my benefits?
Information on registering for and activating fraud protection enhancements is provided at the time of account opening or add-on request.
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What will I need to bring when I open my checking account?
- An unexpired government issued identification card (driver’s license, state ID, passport, military identification), with your current address. If your current address is not on the ID, you will need proof of residency (including, but not limited to: residential bill, bank statement, payroll check stub).
- For individuals under 16 years old, a school-issued ID (any student ID needs approval)
- Acceptable documents for persons under age 18 and certain individuals with disabilities, who are unable to present a document listed above:
- School record or report card
- Clinic, doctor or hospital record
- Daycare or nursery school record
- Birth certificate
- Medicare/Medicaid card
- Minimum opening deposit of $25 for Platinum, Reserved and Standard accounts, $10 minimum deposit for Student Checking accounts.
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Where can I find interest rates for checking accounts?
Checking account interest rates can be found here.
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How do I order or reorder checks?
Checks can be ordered through our partners at Deluxe. To place your order, you’ll need:
- Guardian’s routing number
- Your 13-digit account number, found in the center on the bottom of your checks
- Your next check number
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