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Our greatest checking account ever is finally here! Earn high dividends on your account balance, (plus more perks), just by doing your everyday banking.

Key Features

  • Free Digital Banking Services
  • Competitive Dividends
  • Unlimited Debit Transactions

Account Features:

  • The cream of the crop checking account that offers appealing rewards for going about your every day routine
  • Pays high dividends*
    • Earns 2.25% APY on balances up to $15,000
    • Earns 0.15% APY on balances over $15,000
  • Up to $20 in ATM fee rebates per month*
  • Identity theft services provided by EZ Shield
  • No monthly balance requirements
  • No minimum balance requirements
  • Unlimited debits/check writing

Qualifiers to receive rewards include:

  • 12 point-of-sale transactions per month (transactions counted up to the last business day of month)
  • Direct deposit or 1 ACH payment per month 
  • Enrolled in E-statements

Plenty of free conveniences that keep money management easy:

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.


*If all qualifiers are met. If qualifiers are not met, no penalty is assessed but the higher interest rate and ATM rebate are forfeited.