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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.

  • 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
  • Access to your own personal account manager
    • Can assist with all your Garden Savings banking needs
  • Includes digital banking services:
    • Free online banking & bill pay
    • Free mobile banking with mobile deposit
    • Free e-statements
  • Free business Visa® debit card
  • Free Money Management online software
  • $25 minimum deposit to open

To reorder business checks, visit our trusted partner Harland Clarke.

  • Competitive rates, higher than standard savings1
    • Dividends start at balances of $1,000 or more
    • Dividend rate increases based on account option
    • 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
  • Includes digital banking services:
    • Free online banking
    • Free mobile banking
    • Free e-statements
  • NCUA insured

Two options available based on deposit size

A $1,000 deposit unlocks competitive rates...

Money Market:

  • $1,000 minimum deposit to open

...OR start with a higher balance and earn even greater rates!

Platinum Money Market:

  • $10,000 minimum deposit to open

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 obtain the disclosed APY.

Offerings currently being reworked.  Check back for updates.

Through a partnership with On The Mark Payments, Garden Savings provides its business customers with customized and cost-effective payment processing solutions to accept all major credit cards. These comprehensive processing solutions are rooted in flexible and proven technology, unparalleled support and a measured ability to minimize operating costs.

  • NO FEE Surcharge programs – control your processing fees by passing along the cost of acceptance to customers who choose to pay by credit card
  • Intelligent Program – designed for government and educational institutions, pay no processing fees while innovative technology determines and passes on the actual cost for the card a consumer uses
  • Payment Processing Equipment – the right terminals and software for your business environment and needs
  • Mobile Processing – the security and convenience to accept payments anywhere, anytime
  • POS System Solutions – delivering robust features and functionality
  • Online Processing – fast and reliable virtual terminals and payment gateways

We provide a transparent and competitive fee structure. If interested a free side-by-side cost analysis can be provided by On The Mark Payments call732-230-7700 or email