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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 $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
  • Includes digital banking services:
    • Free online banking
    • Free mobile banking
    • Free e-statements
  • NCUA insured

Only $1,000 Minimum Opening Balance Required

       and 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.

  • Competitive, low rates
  • No annual fee
  • Accepted anywhere Visa is accepted, worldwide
  • Easy account access – view balances, transaction histories, and make payments from your computer
  • Easily replaced if lost or stolen
  • Visa Purchase Alerts allows you to receive alerts based on purchases you’ve made with your Visa. You can use the info to monitor transactions, watch for fraud, and even to make future purchase decisions. Receive alerts via text message or email.

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 [email protected]