Digital Banking & Transfers
How do I reset my online banking password if I'm locked out?
Call 561-686-4006 and select Option 4, then Option 2. You may also visit one of our branches for assistance.
How do I set up external transfers to another bank?
- Log into online banking
- Select Transfers
- Click External Account Transfer
- Follow the prompts to add your external account
A small verification deposit will be sent to the external financial institution. Verification typically takes 1–2 business days.
If the transfer is being set up from another financial institution to Guardians Credit Union, please contact us for the verification deposit amounts needed to complete the setup process.
How do I send or receive a wire transfer?
To send a wire, visit a branch to complete a Wire Transfer Form, or call us to receive the required documents electronically for virtual completion. For same-day wire processing, completed requests must be received by 2:00 PM EST.
To receive a wire, contact us to request our official wire instructions.
What should I do if my debit card is lost, stolen, or shows unauthorized activity?
Immediately block your card by calling (800) 472-3272 or block your card through online banking.
To order a replacement card, call (561) 686-4006 (Option 4) or visit a branch.
To dispute transactions, call (888) 985-1241.
What should I do if my credit card is lost, stolen, or shows unauthorized activity?
Immediately block your card by calling (888) 999-0103 or block your card through online banking.
To order a replacement card, call (561) 686-4006 (Option 4) or visit a branch.
To dispute transactions, call (888) 999-0103.
How do I reset my debit card PIN?
Call the number on the back of your card and follow the automated prompts. You may also call 1-800-992-3808 or 1-800-757-9848.
Can I use my debit or credit card internationally?
Yes. Before traveling, please set up a travel notification through online banking or the mobile app under Manage Cards, or contact us for assistance.
What are my daily ATM and debit card limits?
Daily ATM and Debit Card Limits| Transaction Type | ATM Card | Personal Debit | Business Debit |
|---|
| ATM Cash Withdrawals | $600 | $600 | $600 |
| In-Person Purchases | Not Allowed | $2,000 | $2,500 |
| Online Purchases | Not Allowed | $1,000 | $1,000 |
How do I enroll in Zelle®?
On the mobile app, scroll to the bottom of the app and select Zelle®.
In online banking, select Send Money with Zelle® near the top right next to Bill Pay.
Follow the prompts to complete enrollment.
Are there transaction limits for Zelle®?
Yes, the daily limit is $3,000 and the 30-day rolling limit is $6,000.
Can I use Zelle® with only a savings account?
No. A checking account is required to use Zelle®.
How do I order checks?
- Log into online banking
- Select your checking account
- Click More Actions
- Select Order Checks
For new members, your first check order must be completed by phone or in person. Please call (561) 686-4006 (Option 4) or visit a branch.
How do I place a stop payment on a check?
- Log into online banking
- Select your checking account
- Click More Actions
- Select Stop Payment
- Complete the required information
A stop payment fee will apply based on the membership tier.
Stop Payment Fee| Membership Tier | Fee |
|---|
| Classic | $38 |
| Classic Plus | $38 |
| Loyalty | $33 |
| Loyalty Plus | $32 |
| Premier | $32 |
How do I stop a pre-authorized transaction?
You will need written documentation from the merchant requesting the payment stop. If the payment has already processed, please contact us to complete the required stop payment and unauthorized transaction forms.
How long are deposited checks held?
Check holds typically range from 1–10 business days depending on account history, check amount, and check type.
How can I make a loan payment?
Loan payments may be made through:
- Payroll deduction
- Automatic transfers
- Online banking
- Zelle®
- Payments from another financial institution
- By phone
- In person at a branch
How do I request a payoff amount?
Please call us or visit a branch for payoff assistance.
Why is my available balance different from my current balance?
For Checking Accounts, pending transactions that have not yet posted may reduce your available balance.
Savings accounts require a minimum balance of $25, which is reflected in the available balance.
What is the difference between Courtesy Pay and Overdraft Protection?
Overdraft Protection transfers available funds from another eligible account or line of credit to help prevent overdrafts.
Courtesy Pay covers transactions when funds are insufficient. Fees apply, and negative balances must be repaid within 30 days.
