Skip to content

Enjoy the simplicity of straightforward, free checking. Get unlimited debit and check writing — plus, no monthly maintenance fee.

Who needs frills anyway?

Key Features

  • Free Digital Banking Services
  • No Monthly Maintenance Fee
  • Unlimited Debit Transactions
  • Referral Advantage Rewards

Account Features:

  • For members looking for a no frills, free checking account
  • Unlimited debit transactions and check writing
  • No monthly service fee
  • No minimum balance requirements
  • $5 minimum deposit to open

Plenty of free conveniences that keep money management easy:


  • Angela Crecca

    I couldn't ask for a better experience. 

  • Victoria Emeghara

    Your cashiers are amazing at doing their jobs.

  • Elizabeth Cotten

    I had a very pleasant experience

  • Tracy Craddock

    Great credit union, helpful employees, and excellent customer service.

  • Charlie Garcia

    Cordial, Professional and lots more..

  • Melba Betancurth

     Was able to help me with everything I needed! 

  • William Washington

    As always, it was Great! The team at the South Orange is great.

  • Jimmie Jones

    Garden savings is a great Credit Union!

  • Luzdary Hernandez

    Very formal, super customer service, all of them are beautiful people.

  • Jen & Bruce Sargeant

    Polite; we got what we needed to be done in one sitting.

  • Brandin Esposito

    Very knowledgeable and helpful.  Exceeding my expectations.