More Services

Direct Deposit / Payroll Deduction

Direct Deposit is the free and safe way to automatically deposit your entire net pay, Social Security or pension check(s) into your credit union account. Never again make a special check cashing trip or worry about a lost, stolen or mail-delayed check. Your money is automatically transferred and immediately available every payday. When completing the Direct Deposit form, please use the credit union’s Routing Number: 231278083.

With free Payroll Deduction, you can have a portion(s) of your net pay deposited into your credit union account(s). It’s another convenient way to manage your money. You can use this service to make contributions to your  Summer Savings, Vacation and Christmas Club Accounts. It’s the no excuses way to save.


CO-OP Shared Branch® Nationwide Convenience

Your credit union is a member of the CO-OP Shared Branch® network. It includes hundreds of credit unions that make it easy for you to access your Garden State accounts and conduct financial transactions nationwide.

At participating credit unions, you can use many of the same services you do at Garden State. You can apply for loans, make cash withdrawals, verify account balances, transfer funds and more. Much more. The service centers and self-service locations are the perfect solution when you are away from home.

Regardless of where you live or go, your credit union is as close as the nearest service center. To locate a CO-OP Shared Branch® nationwide, simply use the CO-OP Shared Branch® online locator.


Free Annual Credit Report

You can fight identity theft by reviewing your credit reports. You can request your reports online and by phone or through the mail. Your free online credit reports are viewable immediately. Phone or mailed reports are processed within 15 days of receiving your request. Check yours online now!


Turbo Tax

Prepare your taxes the easy way. Just gather up your W-2s and any other tax documents and keep them handy. Don’t worry if you don’t have them all yet, you can still get started. Turbo Tax can even import many tax documents directly from your employer or financial institution and ask you easy-to-answer questions in plain English, then fill in all the right tax forms for you. Click here to learn more.


No Surcharge ATM Locations

You can find surcharge free ATMs online. Your credit union belongs to the PLUS, NYCE and Exchange Networks and CO-OP Shared Branch ATM locations. Most WAWA convenience stores also offer no surcharge ATM transactions.

Click the above links to learn more. You can also conduct surcharge free transactions at any credit union branch and at the three Walgreen locations below:

  • 20 West Kings Highway, Mt. Ephraim, NJ 08059 N 39.8813592, W 75.0869234
  • 1051 North Main Road, Vineland, NJ 08360 N 39.500323, W 74.994735
  • 343 South Broad Street, Woodbury, NJ 08096 N 39.833746, W 75.156898

When you use your Garden State VISA Check/ATM Card at any of the Walgreen locations, you can make an unlimited number of transfers and withdrawals. You will not be charged an excessive usage fee. With all other ATMs not listed above and POS terminals, the fee schedule may apply. See Fee Schedule.


Verified By VISA®

It’s the free service that protects and enhances your VISA® Credit Card with a personal password you create. The Verified By VISA program ensures that only you can use your VISA card number to make a purchase online.

Once you sign up and your Verified by VISA password is activated, your card number will be recognized whenever you make a purchase at participating online stores. You simply enter your password in the Verified by VISA pop-up window, your identity is then verified, and the transaction authorized and completed. In stores that are not yet participating in the program, your Visa card will continue to work as usual. Look for the Verified by VISA symbol displayed at many participating stores. Click here to learn more. Garden State usage fees may apply. See Fee Schedule.


Check Reorders

Conveniently reorder personal or business checks online. Your order is processed by the Legacy system and mailed directly to you. Reorder now.


Free Notary Service

No appointment is necessary to have important papers notarized at your credit union. Notary services are available Monday through Friday from 7:30 AM to 5:00 PM. It’s another free credit union service.


Entertainment Discounts

Your credit union has free discount tickets to major amusement and theme parks available. Call us when you are planning your vacation activities for a list of available FREE discount tickets. We can save you money and time.


Car Rental Discounts

You can save money when you need to rent a vehicle. Your credit union membership entitles you to National Car Rental and Alamo Car Rental discounts.


Incoming Wire Transfers

You can have money wired to your account. If you have any questions, call or stop by the credit union.

To: Mid-Atlantic Corporate FCU
ABA: 231387550
Credit: Garden State FCU
Account Number: 23127808310100
Final Credit: (Name on the account)
Final Credit Account Number: (Your credit union member number or account number)
Message: (Please tell us where you want to post the funds. Example: Savings.)


Cashier Checks

For your convenience, you can have a certified check processed at any of our branch locations.


Money Orders

Money Orders are a convenient and safe way to send money through the mail. You can purchase money orders at any credit union branch office.