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Banks profit the most from businesses — but here, we leave the profit making to your business. Choose from a wide variety of accounts to keep you growing.

Key Features

  • Competitive Dividends
  • Friendly Local Service
  • Easy Access
  • Referral Advantage Rewards
  • Free, unlimited withdrawals and check deposits
  • $5 minimum deposit to open
  • $10 per month flat fee for account1
    • Accounts that maintain daily balance equal to or greater than $200 fee is waived1
  • Up to 150k cumulative cash deposits per month, $0.20 per $100 deposited therafter1
  • Free business debit card
  • Mastercard Debit Card EasySavings Program provides discounts and special offers to business cardholders.

Includes Better Business Merchant Services that enhances your business operations beyond your checking!

Merchant Services


1. Monthly account maintenance fee & excess cash deposit fee is waived for one-year from account opening effective September 2023 until further notice. Garden Savings FCU reserves the right to discontinue this promotion at any time.


  • Ideal for small business owners who want an easy-to-manage account
  • Free, unlimited monthly transactions
  • No minimum balance requirements
  • $20 per month flat fee for account
  • Free business debit card
  • $25 minimum deposit to open
  • Competitive rates, higher than standard savings1
    • Dividends start at balances of $10,000 or more
    • Dividend rate increases based on balance tiers
    • Dividends compounded monthly
  • Enjoy flexibility with enhanced access to funds including direct check writing:
    • Unlimited in-person withdrawals or by mail
    • No more than 6 withdrawals or transfers to another credit union account or third-party account
    • No more than 3 of the 6 transfers may be made by check, draft, debit card, or similar order to a third party
    • $10 fee per transaction in excess thereafter
  • Make deposits at any time or set up direct deposit
  • Insured up to $500k through NCUA and ESI

Only $1,000 Minimum Opening Balance Required -- to avoid a low monthly fee.

1The dividend rate and Annual Percentage Yield (APY) may change every dividend period. You must maintain a minimum daily balance of $1,000 in your account each day to avoid a monthly fee. Dividends earned on balance of $10,000 or more; highest tier of earnings rates at $1,000,000.