Checking Accounts

There's vitality in commerce. 

Our Garden checking accounts are made for your every-day transactions. You win no matter which Garden checking account you choose with these standard perks:

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  • Free Garden Digital Banking
  • A beautiful debit card
  • Overdraft protection
  • Online bill pay
  • ATM fee reimbursement
  • Direct deposit access
  • No minimum balance
  • Unlimited check writing
  • Monthly eStatements
  • Online check orders
Compare our checking account options.

Greens Checking

Cash Back
Give yourself a monthly bonus with our cash back checking account.

  • 5% cash back on all debit card purchases
  • 0.02% APY*
  • $25 deposit to open
  • No monthly fee 

*Annual Percentage Yield 

Lush Checking

Local Business Rewards
Earn points that convert to dollars you can use at locally-owned businesses.

  • Get 1 point for every dollar; 2 points for every dollar spend at local businesses
  • 0.02% APY*
  • $25 deposit to open
  • $11.99 per month fee
*Annual Percentage Yield

Trellis Checking

High Interest
Who doesn't like their money working for them? Earn significant returns monthly.

  • 2.25% APY* on balances up up to $10,000
  • 3.25% APY* on balances over $10,000**
  • $25 deposit to open
  • No monthly fee

*Annual Percentage Yield
 **Point rate after $10,000

Green Checking

Lush Checking

Trellis Checking

Rewards 5% Cash back on purchases
Earn rewards to use at partnering community-favorite businesses

1 point for every dollar; 2 points for every dollar spent at local businesses

Minimum Balance to earn Rewards None None None
Minimum Deposit $25 $25 $1,000
0.02% APY* 0.02% APY*
2.25% APY* on balances up to $10,000

3.25% APY* on balances over $10,000
Free Garden Digital banking + Bill pay
Monthly Fee $0 $11.99 $0
ATM Fee Reimbursement
Unlimited Check Writing
Free e-statements
online check orders

*Annual Percentage Yield

Debit cards

Your everything, all in all card. We’ve designed a debit card to handle all the ways you pay. Whether in your wallet or on your phone, your Garden debit card makes spending seamless.

  •  A beautiful card
  •  Easily connect to your favorite apps
  •  Opt for spending alerts within Garden Digital Banking

What do you strive for?

A fruitful future is yours with a plan, a partner, and ready resources. Garden is all of the above.