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 12 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
*Safe Deposit Boxes are NOT insured by FDIC - Available at the West Chester, Bridgetown, Florence, Ft. Wright & Tri-County locations only.

Ready to Open an Account?

Visit, call or email your local branch to learn more.
FIND A LOCAL BRANCH

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Lost or stolen card?

Need help now? Call 24/7, or if you're on a mobile phone, simply click a button below.
ATM / Debit: 800-236-2442 Credit: 800-444-6938

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