FDIC-Insured - Backed by the full faith and credit of the U.S. Government

A Community Bank for All Your Personal Banking Needs

Better Service. Better Lending. Better Banking

Financing your home with us is smart. So is taking advantage of our personal banking services. We offer 13 full-service banking offices in Ohio, Northern Kentucky, and Lexington and can help you manage your money and save for the future.

Whether you’re looking for a checking account, savings account, direct deposit service, or IRA, we have the personalized solutions for you.

Our experienced representatives will help you understand all of our personal banking services.

Community Banking Benefits

Here are just a few of the benefits that our customers enjoy. Visit a branch in your community to take advantage of the following services and benefits of being a Guardian customer.

  • Low-minimum balance requirements
  • Elite checking earns a competitive interest rate with a minimum balance of $2,500. Higher balances earn higher interest rates.
  • Higher-rate CDs than most competitors
  • Online banking
  • Mobile banking
  • Anytime Access
  • ATM / Debit cards
  • Credit cards
Scroll right and left to compare accounts
Minimum balance to open
Minimum required daily balance
Pays interest
(minimum balance may be required)
No Monthly fees
(minimum balance may be required)
Free standard checks
Visa debit/ATM card available
No surcharge at select ATMs nationwide
Free online banking and bill pay
Free mobile bill pay
Unlimited check writing
"Easy Pay" for Guardian mortgage loan payment
Free notary services
(where available)
24/7 automated customer service
No minimum balance required to obtain bonus or earn APY
10% discount on safe deposit box annual fees
50% discount on money orders
Free cashiers checks and money orders
No per item fees
(minimum balance may be required)
Bounce Protection Available
Overdraft Transfer Protection Available
Early Close Out Fee if closed within 90 days
Scroll right and left to compare accounts
Minimum balance to open
Minimum required balance
No quarterly fee
(minimum balance may be required)
Pays interest
Passbook for convenient record-keeping
Free notary services
(where available)
24/7 automated customer service
Interest paid quarterly - Passbook
Interest paid monthly - Statement
Interest paid annually - Passbook
Interest paid annually - Statement
Early Close Out Fee if closed within 90 days
Free online banking and bill pay
Free mobile bill pay
"Easy Pay" for Guardian mortgage loan payment
Free ATM card
Free Direct deposit

Other Savings Accounts

We offer a variety of products and services to help you save for tomorrow, including:

Certificate of Deposit Account

  • Low $500 minimum balance to open
  • Competitive
  • Flexible terms
  • Interest checks or transfers available monthly or quarterly
  • Security of FDIC insurance

IRA Account

  • Transfer existing IRA and/or 401k into a Guardian IRA
  • Offering both Traditional (tax deferred) and Roth IRAs
  • Required minimum distribution can be withdrawn automatically
  • Make deposit anytime to our 18-month variable CDs or savings IRA account

General Banking FAQ

Absolutely! Each individual/entity is covered for $250,000.00, under the FDIC coverage limits. The full coverage limit that you have with us is dependent on your specific account relationships. Please contact your local branch to discuss what your FDIC coverage is. Find your branch here.

  • 1 form of unexpired government issued identification.
  • 1 form of secondary, unexpired identification (Social
  • Security card, credit card, health insurance card, etc.)
  • Social Security number.
  • Date of birth.
  • Current physical address. If your ID does not match your current physical address or you have a different mailing address, you must provide a piece of mail to show proof of residence.
  • Minimum Deposit requirement to establish account (product specific) and either in cash or a check.

Several reasons could be causing debit card denial.

  • Total swipes over 24hrs could have been exceeded.
  • Daily transactional limit could have been exceeded.
  • Card could have been compromised and locked via our fraud team.
  • Insufficient funds.
  • Incorrect PIN or ZIP entered.
  • Transaction out of area.

Unfortunately, you are unable to manage your debit card limit on the application or on the website. You have a daily point of sale limit of $750.00 on your debit card. If you need assistance with your debit card limit, you can call your local branch to get help with this. Find your branch here.

Yes. You can manage this from the categories at the bottom of the home screen on your mobile app. Click on “Cards” and scroll down to “Manage Travel Plans.” You can then input the appropriate dates of your travel and the destinations in which you will be traveling to.

The Federal Trade Commission (FTC) offers excellent advice on how to opt out of these types of offers. See their advice here.

Online Banking FAQ

Yes, however this will need to be done from a laptop or PC rather than your mobile device. From our website, login to online banking. Once logged in, click on “Profile” in the top right, and then click on the email section. This will allow you to update your email address.

There are several possible reasons, including:

  • Your account was opened less than 30 days ago. Transfers cannot occur within the first 30 days of account opening.
  • You are attempting to transfer between personal accounts and trust accounts. This cannot be done.
  • You are attempting to transfer between personal accounts and business accounts. This cannot be done.
  • If both are personal accounts, with the same individuals listed as an owners, you may need to contact your local branch to update online banking access to one of the accounts. Find your branch here.

First, from a laptop or PC, log in to online banking. After logging in, go to the top right of the screen and click on “Profile.” You will then click on “Electronic Statements,” then manage/enroll in electronic statements. Additionally, see our enrollment guide here.

Your account must be open for 30 days to enroll in this feature. After 30 days, log in to your online banking account and select “Bill Pay” in the top right of the screen. Once you are on the bill pay screen, you will add your biller payee and corresponding biller information to set up payments. Additionally, see our online banking guide here.

If you are enrolled in e-Statements, you are able to view them online. Paper statements or coupon book enrollment are unable to receive or see statements within online banking. Once you are logged in, you will click on “Accounts” and then click on “Documents.” You will then be able to view PDF statements of your account. If you are not enrolled in e-Statements, your monthly statement is mailed every month on the 15th if a checking account, the 20th if a loan product, and the 30th if a savings account or business account.

You can view the history and pending/posted transactions by clicking on “Accounts” on your Online Banking Home screen. The account you have in focus will include the last four digits of the account number (######1234) and the transaction history will be below. You are able to navigate between your different accounts by selecting from the drop down box and clicking on a different account.

Yes! Find Zelle located under your ‘Quick Links’ in our Mobile App.

Unfortunately, wires can only be completed in person, at any of our local branches. Find your branch here.

Unfortunately, our Savings, Checking and Certificate of Deposit rates are not posted on our website. However, you can call your local branch to get any product rates and disclosures. Find your branch here.

Mobile Deposit is a secure and convenient way for you to electronically deposit checks to any of your checking or savings accounts using the camera on your compatible smartphone or tablet through the GSB app. The mobile deposit feature will be disabled during the first 30 days of account opening.

Unfortunately, we are unable to quote a payoff through the website. Our loan servicing department is available Monday-Friday 9am-5pm and can be reached at 513-842-0972. They will be able to provide you with a payoff for a specific date. Alternatively, requests for payoff can be faxed to 513-741-6255 or e-mailed to [email protected]. Allow three business days for completion.

Your debit card PIN number is a specialized four digit number you have selected to properly access funds at an ATM or to process a transaction as a debit, at a POS terminal. If you cannot remember your PIN number or need to reset it, you can call 1-800-992-3808 to update it. If you are having trouble with this process, please contact your local branch for assistance.

Branch Banking FAQ

The daily interest rate is the rate that is used to calculate interest on your balance each day, on the given amount. The Annual Percentage Yield (APY) is the total amount of interest that you earn in a 365 day period.

There are several reasons why a check could be placed on hold. The most common reason is the checks is written over the Regulation CC limit and is subject to a hold. Other common reasons that could determine a hold include a new relationship account (within 30 days), funds availability, or negative status of an account balance.

Due to security of the institution and our customers, we have a daily cash withdrawal limit. Exceptions are able to be accommodated with an advanced notice. Please contact your local branch for arrangements. Find your branch here.

Coming Soon!

If you are in a fixed rate CD, then the rate is good for the term you agreed upon. Our Checking, Savings and 18 month IRA variable CDs are all variable rates and subject to change at any time.

No, POD’s will not be notified. This is confidential information and the customer would be the only one to release this information to the given parties.

  • Free Checking – none
  • Silver Service Checking–none
  • Student Checking- none
  • Interest Checking – $300.00
  • Mortgage Plus Checking- none
  • Executive Savings- $5,000.00
  • Traditional Savings – $100.00
  • Elite Checking- $2,500.00
  • Traditional Business Checking- $100.00
  • CDs- $500.00
  • IRA Savings/CD’s – $10.00

Account fees are specific to product.

  • Free Checking – none
  • Silver Service Checking–none
  • Student Checking- none
  • Interest Checking – $5.00 minimum daily balance fee, if account falls below $300.00.
  • Mortgage Plus Checking- none
  • Executive Savings- $10.00 minimum daily balance fee, if account falls below $5,000.00.
  • Traditional Savings – $10.00 minimum daily balance fee, if account falls below $100.00.
  • Elite Checking- $10.00 minimum daily balance fee, if account falls below $2,500.00.
  • Traditional Business Checking- $5.00 minimum daily balance fee, if account falls below $100.00.
  • CDs – could be subject to penalty if there is an early withdrawal.
  • IRA Savings/CD’s – could be subject to penalty if there is an early withdrawal.

Interest is compounded daily.

7 – 14 business days

Our lobby and drive-thru operating hours are:

  • Monday-Thursday from 9:00 am-5:00pm
  • Friday 9:00am-6:00pm
  • Saturday from 9:00am-1:00pm

Was your IRA with Guardian Savings Bank or another institution as of January 1? If it was with Guardian, you will receive a statement providing your RMD amount. You may also contact your local branch to inquire about this information. Find your branch here.

If the check is for exterior work on your property (i.e. Roof, Siding, etc.), you may proceed to your nearest Guardian Savings Bank branch location for assistance. If your insurance check is for exterior and/or interior damage, please contact our Ft. Wright branch at (859) 341-0700 and ask to speak with someone regarding your insurance check.

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