Firefly... Well, first .. you do want to figure out where your septic is ..because you will need it pumped at some point . The leach field for it will extend out from the tank. When you have it pumped.. the pumping company can likely tell you where the leach lines run. And, no.. you do not want to plant on top of it. Why, because just when all your little plants are growing nicely.. you might need the septic pumped. And, then you have to dig it all up.
My septic is right off the house in the driveway.
If you have no idea where your septic is. You can obtain the original plans for your place that will display that. You really do need to know where it is.
But, I love the idea of your raised garden. cheryl o7o