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Frequently Asked Questions

Where are your branches located?

Garden Savings is headquartered in Parsippany, New Jersey with convenient branches located in Dover, Newark and South Orange, New Jersey.

Do you offer free checking accounts?

Yes! Garden Savings offers checking accounts with no monthly minimum balance requirements and no monthly maintenance fees.  Visit for details.

What are your branch hours and do you offer Saturday hours?

Garden Savings branch hours can always be accessed on our Branch and ATM Locator.  We do offer Saturday hours at three of our four branch locations (no Saturday hours at our Parsippany location).

What types of loans do you offer?

Garden Savings offers a full array of loan products, from new and used automobile loans, to personal loans and credit cards, to mortgage loans and home equity lines-of-credit with fantastic low rates.  We are an Equal Opportunity Lender and Equal Housing Lender.  Visit for more details on the loans we offer.

Do you offer electronic banking?

Yes! Garden Savings offers online banking, online bill pay, remote check deposit and more through our mobile app which can be downloaded from virtually all major app stores and for almost all mobile platforms, free of charge.  Make account transfers, pay your loans, pay bills, view balances and much more through this free service.

Do you have any free ATMs?

Garden Savings offers access to over 85,000 surcharge-free ATMs through our affiliation with the Co-Op and Allpoint ATM networks.  You can find free ATMs through our mobile app or on our website with our Branch and ATM Locator..

Are your employees bi-lingual?

Yes.  We understand the importance of staffing our branches with individuals who reflect the diverse communities we serve.  We have Spanish speaking employees at all four of our branches and Portuguese-speaking employees at our Newark branch, located in the heart of the Ironbound district.