Skip to content


Student checking never had it this good (just look around). Even better, it’s available to all members enrolled in school — even part-timers.

Key Features

  • Competitive Dividends
  • No Monthly Fees
  • No Minimum Balance
  • Referral Advantage Rewards

Ready to open! Are you currently a member of Garden Savings FCU?

Existing MemberNew Member

Account Features:

  • Exclusively available to full or part-time students ages 18-24
  • For members looking for value and benefits
  • Pays competitive dividends on balances of $750 or more
  • Identity theft services provided by EZ Shield
  • No monthly service fee
  • No minimum balance requirements
  • Unlimited debits/check writing
  • $5 minimum deposit to open

Plenty of free conveniences that keep money management easy:

  • Free cashier’s checks and stop payment orders
  • Up to $5 in domestic non-Garden Savings ATM surcharge-fees rebated each month
  • 25 basis point rate discount on any personal loan (certain restrictions may apply)
  • 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 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 


*Account holders and applicants for the Student Checking account must be aged 18-24 and currently enrolled as full-time or part-time students. Additional documentation may be requested to verify student status.