A Community Bank for All Your Personal Banking Needs

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.

Our Online Banking team are available to assist Monday-Friday 8:30am – 5:00pm EST. For assistance during these hours, please call (866) 855-7267.

As a community bank, our Online Banking team is intentionally staffed by experienced employees who work directly with customers rather than an outsourced call center environment. If all employees are assisting other customers, please leave a detailed message and a member of our team will return your call as soon as possible. We appreciate your patience and courtesy as we work to assist every customer promptly and thoroughly.

Additional Saturday assistance may be obtained by contacting your local Guardian Savings Bank branch location during normal business hours. Find your branch here.

If you need help outside normal support hours, use this checklist to keep moving until we are available.

If Online Banking is not working, these steps solve many common problems. Try them in order.

1. Make sure you are on guardiansavingsbank.com and using the correct login area.
2. If guardiansavingsbank.com is not responding or the Online Banking site will not load, it may be possible maintenance is ongoing or there is a vendor outage. Wait for the website to become available or give us a call at (866) 855-7267 during business hours to verify website activity.
3. Make sure you are using Online Banking for balances, statements, account details, and transfers. Use Pay Mortgage only for mortgage payments.
4. Close your browser or mobile app completely, then open it again.
5. Try utilizing ‘Incognito Mode’ or ‘InPrivate Windows’ for your browser. These modes may be accessed by right clicking on your browser icon and selecting the option.
6. Try utilizing a different browser such as Google Chrome, Microsoft Edge, or Safari.
7. Clear your browser cache and cookies.
8. Disable autofill or biometrics for your username and password. It may be outdated. Manually input your login information.
9. Allow pop-ups for guardiansavingsbank.com.
10. Turn off VPN, private relay, ad blockers, or browser extensions temporarily if the page will not load.
11. Restart your device.
12. If you are using the mobile app, update the app and your phone operating system.
13. Delete the mobile app, restart your phone and reinstall.
14. If nothing works, contact us during support hours.

For your protection, we will not send usernames through unsecured email or text. Please contact us during support hours at 866-855-7267 or visit a branch so we can verify your identity and help you regain access.

You may be asked security questions when Online Banking does not recognize your device, browser, location, or login pattern. This helps protect your account.

• Answer exactly as you set the answer up.
• If you recently cleared cookies, changed browsers, bought a new computer, or changed phones, you may be asked security questions again.
• If you cannot answer your questions, contact us during support hours.

Start by checking your email, phone, and browser settings. Many code/email issues come from spam filtering, blocked text messages, changed contact information, pop-up blocking, or outdated browser data.

1. Wait a few minutes before requesting another code.
2. Check junk, spam, and clutter folders if the code is sent by email.
3. Check blocked numbers, spam text filtering, and Do Not Disturb if the code is sent by text.
4. Confirm you still have access to the phone number or email address tied to Online Banking.
5. Logout and login to your email provider to ensure your account has not timed out.
6. Allow pop-ups for guardiansavingsbank.com.
7. Clear cache and cookies.
8. Try a supported browser such as Chrome, Edge, or Safari.
9. If your phone or email changed, contact us during support hours so we can verify your identity and update your profile.

A reset may not work if your phone number or email address changed, your information does not match your profile, your browser blocks cookies or pop-ups, or your account locked after too many login attempts.

1. Make sure you are using Online Banking, not Pay Mortgage.
2. Try the reset again in Chrome, Edge, or Safari.
3. Clear cache and cookies. Close the browser and re-attempt.
4. Allow pop-ups. Close the browser and re-attempt.
5. Restart your computer.
6. If you changed phone numbers or no longer have your email, contact us during support hours so we can verify your identity and explain how to update your profile.

Use these steps on Windows or Mac for Google Chrome.

1. Open Chrome.
2. Select the three-dot menu in the upper-right corner.
3. Select Settings > Privacy and security > Delete browsing data or Clear browsing data.
4. Choose All time.
5. Select Cookies and other site data and Cached images and files.
6. Select Delete data or Clear data.
7. Close and reopen Chrome, then try Online Banking again.

Use these steps on Windows or Mac for Microsoft Edge.

1. Open Microsoft Edge.
2. Select Settings and more.
3. Select Settings > Privacy, search, and services.
4. Under Clear browsing data, select Choose what to clear.
5. Choose All time.
6. Select Cookies and other site data and Cached images and files.
7. Select Clear now.
8. Close and reopen Edge, then try Online Banking again.

Use these steps on a Mac for Safari.

1. Open Safari.
2. Select Safari > Settings.
3. Select Privacy.
4. Select Manage Website Data.
5. Search for guardiansavingsbank.com and remove that website data or select Remove All.
6. Close and reopen Safari, then try Online Banking again.

Use these steps on Windows or Mac for Firefox.

1. Open Firefox.
2. Select the menu button, then Settings.
3. Select Privacy & Security.
4. Under Cookies and Site Data, select Clear Data.
5. Select Cookies and Site Data and Temporary cached files and pages or Cached Web Content.
6. Select Clear.
7. Close and reopen Firefox, then try Online Banking again.

Most customers should clear cache inside the browser first. If that does not work, these advanced steps may help.

1. Quit all browsers.
2. Open Finder.
3. Select Go > Go to Folder.
4. Enter ~/Library/Caches and press Return.
5. Look for browser-related folders for Safari, Chrome, Edge, or Firefox.
6. Move only browser cache contents to Trash. Do not delete the entire Library folder, Keychain items, bookmarks, saved passwords, or Application Support folders.
7. Restart the Mac and try again.

First confirm whether your username and password work through Online Banking in a web browser. If the browser login works but the app does not, the issue is likely with the app, phone, network, or device settings.

1. Close and reopen the app.
2. Disable autofill or biometrics for your username and password. It may be outdated. Manually input your login information.
3. Turn off Wi-Fi and use cellular data only. If it works on cellular, your Wi-Fi is potentially the issue.
4. Restart your phone.
5. Update the mobile app.
6. Update your phone operating system.
7. Turn off VPN, private relay, or security filtering temporarily if you use it.
8. Delete the app, restart your phone and reinstall the app if it still will not open.
9. Sign in with your full username and password before turning Face ID, Touch ID, or fingerprint login back on.

This usually points to a connection, app version, phone setting, or temporary issue.

1. Switch from Wi-Fi to cellular data, or from cellular data to Wi-Fi.
2. Restart your phone.
3. Update the app.
4. Check for a phone software update.
5. Turn off VPN or private relay temporarily.
6. Delete and reinstall the app if it still fails. Restart your phone after deleting the app and before reinstalling.

A new phone may not be recognized right away. Sign in with your full username and password – not using biometrics or browser autofill. You may need to complete a security step or receive a new activation code.

• If your phone number changed, contact us during support hours so we can verify your identity and update your profile.
• Your new phone may be operating on a newer operating system. Delete the current app, restart your phone and reinstall. Login without using biometrics, physically typing in your login credentials.
• If your old device is still listed in your Online Banking profile, you may need to remove it before a new phone will be supported. This can be done in the ‘Profile’ portion of Online Banking, and will require login via web browser, not the mobile app.

Disable autofill or other automatic logins. Sign in using your full username and password first. If that works, re-enable biometric login inside the app if available.

• Biometric login may reset after you change your password, update your phone, update the app, reinstall the app, or switch devices.

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.

Please note, e-Statement enrollment is not retroactive. You will receive future statements only electronically.

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.

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.