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No diamond in the rough, this account rewards members who enroll in direct deposit with competitive dividends, free digital banking, and more.

Key Features

Competitive Dividends

No Monthly Fees

No Minimum Balance

Account Features:

  • The ultimate free checking account for members who utilize direct deposit1
  • Pays competitive dividends on your entire balance
  • No monthly service fee
  • No minimum balance requirements
  • Unlimited debits/check writing
  • $25 minimum deposit to open

Plenty of free conveniences that keep money management easy:

  • 2 free wires per month
  • First box of checks free (only upon opening a new account)
  • Includes digital banking services:
    • Free online banking & bill pay
    • Free mobile banking with mobile deposit
    • Free e-statements
  • Free Visa® debit card
  • No ATM fees at any Garden Savings ATM location
  • Access to 85,000 surcharge-free ATMs via Allpoint® and CO-OP® ATM networks
  • Courtesy Pay Plus available
  • All domestic non-Garden Savings or unaffiliated network ATM surcharges reimbursed on the last day of the month up to $5 per month 

First-Time Member of Garden Savings?

Bring over your direct deposit from another financial institution. You can bring over your automatic debits and monthly payments easily as well. Contact us for your ClickSwitch password and then make the switch today. Watch a video (YouTube) to learn more about how ClickSwitch makes moving your accounts convenient, fast and secure.

1Diamond Checking requires direct deposit. Certain fees may apply if direct deposit is not set up. See fee schedule for details.