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Pandemic Precautions - Branch Lobbies Open

Branches have reopened to the public, a limited number of individuals will be allowed in the branch at a time to keep everyone safe.  When visiting, be sure to maintain proper social distance, use hand sanitizer when appropriate, and ALWAYS wear your mask.  Members are required to wear masks when visiting our lobbies. 

Current Branch Hours: 


Monday – Friday: 9am-4pm


Newark, Dover & South Orange

Monday – Friday: 9am-4pm

Saturday: 9am-12noon



We give you the power to manage your Garden Savings accounts how you want, whenever and wherever you want.

Ultimate access, control and security from your computer, tablet or mobile phone with mobile banking.  Not enrolled? Sign up here.

  • Deposit checks in a few clicks
  • Make and schedule bill payments
  • Transfer funds safely in seconds
  • Check account balances instantly
  • Track transactions to see exactly where your money is going
  • Create and manage budgets with Money Management financial management tool

Make sure to download our mobile app too --  Apple App Store   Google Play Store

No need to visit a branch to cash your pay check, set up direct deposit

You can easily move recurring payments and direct deposits to a new account, all with the click of a mouse. Just login, then you can switch your direct deposits and automated payments. Account information is transferred instantly. It's fully automated, convenient, and takes less than 10 minutes.

Get started now, click here

Making a loan payment is easy too, we've got plenty of ways to do that

Make A Payment Online

To make a payment from a Garden Savings account sign into Online Banking to set up payment.

To make a payment from an outside institution, our new, secure BillMatrix payment system offers-

To sign up to become a registered user click here. Both payment options are accessible through the Online Services tab located at the top right hand corner. 


Automatic Payment via ACH

Set up automatic payments to be made on the due date of the loan and never worry about missing a payment.

To set up automatic payments, download, complete and submit the Automatic Payment Authorization Form

Submit completed form via—

Email: [email protected]

Fax: 973-316-0317

Mail: Garden Savings Federal Credit Union, Attn: Electronic Services 129 Littleton Road, Parsippany, NJ 07054


Bill Pay

Make a payment through another institution’s bill pay service. Log into their website with your loan number and Garden Savings routing number, 221278954, to set up. Ensure your account number is correct to prevent any delays or errors with your payment being processed on time.

Paper Statements are out, E-Statements are in

Paper statements are passed from person-to-person, facility-to-facility until they arrive to you--that leaves a lot of opportunity to get lost. With e-statements you never have to worry about that. Plus there's...

  • Convenience. You receive, view and manage your bills and statements from one location.
  • Security. Protect your identity by reducing the amount of private information in your mailbox.
  • Accessibility. Saved to a memory stick, CD, or computer hard drive, e-statements are easy to store, organize, and access.
  • Save. Avoid being assessed a monthly paper statement.
  • Sign up is conveniently located within online banking under the "Additional Services" tab.